I’ve finally come to accept the fact that I need glasses, and I decided to go to LensCrafters. I don’t have my insurance policy in front of me, but I do remember that I have $200 worth of vision coverage. My question here isn’t about what coverage I actually have, but about what I was told at the eyeglass store.
Before going, I called my local LensCrafters. Oscar answered, and I asked, “Do you accept my insurance?” and then I told him the name of my insurance.
Oscar said “Yes, we do. Would you like to make an appointment for today?”
I went in, had my exam, and talked with someone regarding lenses and frames. (I decided to wait on ordering the frames and lenses until my wife could come and give her opinion). The sales agent asked “So how will you pay for the exam?”, and I said that I’ve got insurance, and would you run it through. She said, “No, we’re giving you a five dollar discount because you have that insurance”. And I asked that when I actually pick out the lenses and frames and purchase them, will you run it through, and she said “No, you can fill out a reimbursement form with your insurance company”. [Note: the above is a shortened version of a longer conversation, involving both the sales agent and the store manager].
I fully admit that I’m not the sharpest needle on the cactus when it comes to figuring out the complexities of insurance, but my simple question is, did Oscar just directly lie to me when I called to asked if they accept my insurance? Isn’t it obvious from my question what is meant?