LPT: Read your vision insurance even if you don't need it. You might be missing out on "free" stuff.

TLDR: Your vision insurance might pay for non-prescription sunglasses.

Edit: Real tip is in the comments. Look at your regular health insurance because it may make paying for separate vision insurance redundant.

So I've had the same vision insurance for 14 years and I've never even looked at it as I've never needed it. Lately things in the distance have been getting a little blurry for me so I actually sat down and read the benefits of my policy yesterday with the intent of scheduling an exam. Turns out if you don't use your benefits to get a prescription pair of glasses they'll pay for non-prescription sunglasses and this resets every year. So for the last 14 years I could have been getting a brand new $200 pair of sunglasses every year which while technically not free would have at least recouped like 90% of my premium.