Do you have optional eye insurance through your employer? Do you wonder if you are getting your money's worth? Recently I have been wondering the same thing. I scratched my lenses about a week ago and was therefore forced to order new lenses. Lucky for me I was eligible for new ones on my insurance. Unfortunately I found that it was still going to cost me a pile of money. This is when I started doing the math and found that maybe paying for my optional eye insurance was not the smartest financial decision.