Yesterday I looked underwater with my eyes open (and no goggles) and I realized I can't see anything clearly. Everything looks very, very blurry. My guess is that the eye needs direct contact with air in order to work properly. With water, the refraction index is different, and the eye lens are not able to compensate for correct focalization on the retina.

Am I right ? If so, what lenses should one wear in order to see clearly while under water ?