u/Peterova-Cecy

i know this sub skews younger but i'm 58 and have been severely myopic since i was a kid. started mapping out retirement healthcare costs with my advisor recently and vision was the one area i genuinely had not thought through. been on employer coverage so long i just never questioned it. this is not a small gap. my prescription is strong enough that getting the right lenses is not cheap. progressive lenses at my prescription level are expensive and i go through a new pair every couple of years. losing employer coverage and having nothing replace it is a real cost. most of what i find online is generic and not really written for people with prescriptions on the higher end of the scale.

for context im in my early 60s, need both distance and reading correction, and go through a pair of glasses every year or two. not a contact lens person.
i wear glasses and get an eye exam every year without fail. im looking at VSP because it keeps coming up but i cannot tell if paying monthly for it makes sense compared to just paying out of pocket for what i actually need. dental was easy. vision i am completely lost on. i just aged off my husband's employer plan and now im doing the whole figure out your own insurance thing for the first time in like 20 years. the math feels like it should be simple but somehow its not. and does the network actually include decent optometrists or do you end up limited to a weird subset of providers. also curious if the cost changes a lot depending on the plan tier or if they're all pretty similar in what they offer?

I borrowed my sister’s car earlier and while parking i accidentally bumped into a big rock. The damage isn’t huge, it’s mostly just a slight scratch, but i still feel really bad because she trusted me with her car and now i’m sitting here mentally preparing for my final speech, I know i should tell her instead of hoping she magically never notices, but i honestly don’t know how to bring it up without making her really upset at me huhu

What’s the best way to admit something like this?