That's a little skewed.
Light does not spontaneously refract in either light or air or any other substance (though there are substances that have stuff suspended in them that can do so.). Light is refracted at the boundary of two different materials. Where the air meets water is one such boundary.
The two boundaries that Jody asked about are: 1) between her eye lense and the air, and 2) between her eye lense and water. These have different refraction properties. In her case, it just so happens that the boundary with water gives her clearer sight than the boundary with air.
Obviously, this means she is a mermaid. Which makes me want to ask that question I've always wanted to ask a mermaid...