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 Posted: Wed Oct 28, 2009 7:12 am Post subject: vision care! |
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| Are both dental and vision care covered? In many cases medical plans will not cover dental and vision care and these then have to be covered under a separate plan. |
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HullyJacob
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Joined: 09 Sep 2009
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Location: New York
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| Posted: Thu Oct 29, 2009 10:48 am Post subject: |
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| There are a few supplemental policies that may come to your help. But this would only apply towards meeting your smaller needs. If your needs are more, then it would be better to opt for a separate dental policy. Roddick |
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roddick
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| Posted: Wed Nov 11, 2009 8:50 am Post subject: |
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| in my case, i got my own dental insurance, while my company provides optical benefits. |
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choco
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Joined: 07 Jul 2009
Posts: 61
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| Posted: Wed Nov 11, 2009 10:51 am Post subject: |
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Hi choco, I'd like to know if your optical benefits come as a separate policy from your employer or if it comes as a part of your health insurance. It might clarify a lot of our doubts.
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anonymous00
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| Posted: Thu Nov 12, 2009 12:44 am Post subject: |
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Hully, I guess it depends on the scale of cover you want. Most health policies can have dental and optical care included in them for an increased premium, but if you have very specific needs you may want to look for a specialised stand alone policy.
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heidrek
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| Posted: Fri Oct 29, 2010 6:03 am Post subject: |
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If you have an eye disease or eye injury your regular health insurance will pay for diagnosis and treatment. However, most regular health insurance policies do not pay for the costs of routine eye exams, corrective lenses, eyeglass frames, or contact lenses. Insurance coverage for such services is known as vision care insurance.
Vision care insurance usually pays for the following basic services:
* A yearly eye examination, including refraction to check your vision
* Eyeglass lenses
* Eyeglass frames
* Contact lenses
* LASIK and PRK vision correction procedures at a discounted rate
Your specific vision care plan may have a limit (such as every two years) on how often it will pay for lenses and frames.
Usually, vision care plans (including those you buy or are provided by your employer) contract with eye care professionals to provide you with vision care services. In some plans you can use any eye care provider and receive a discount on the services offered. However, most plans purchased from a vision care insurance company are PPOs (preferred provider organizations) in which your eye care is managed by a network of eye providers. In a PPO, you also can use out-of-network eye providers, but you will pay a greater share of the cost.
Vision insurance |
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Milfordct
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MaxHerr
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