When an employer offers vision insurance at no cost to you, there is no point in turning down such a great offer whether you need the insurance or not. Once you retire, you have the options of continuing the insurance through COBRA, terminating the coverage, purchasing a stand-alone vision plan, or obtaining vision benefits through a Medicare Advantage plan. Let’s make one thing apparent, you do not need vision insurance if you do not wear eyeglasses or contact lenses. Therefore, if your coverage was unnecessary before, it is going to be unnecessary now.