I have an eye exam today. Last time I was there they really pushed me to get a retinal photograph. But DH had just been laid off and I did not have a job and money was tight, so I declined. I had also never heard of it and didn't know what to think. I had honestly forgotten about it, but I was filling out the forms for the visit ahead of time and they ask if you want it on the form. Currently we don't have vision insurance and are planning to pay OOP. I don't mind paying for something worthwhile, but I don't want to pay for a "fluff" procedure that isn't really necessary.
In quick googling, this article makes me want to opt out, but I wonder if there is something I am missing?
If it's of any relevance I am in my early 40s with a strong family history of Type II diabetes.
ETA: I also have a small pre-retinal fibrosis diagnosed about 20 years ago that causes me no issues.