Vision insurance

Posted: Fri Oct 28, 2011 10:14 am Post Subject:

Since you have already got cataract and your surgery is impending, your chances to purchase any insurance at this time is next to none. The only coverage that might fit your need would be some form of long-term care.

Posted: Fri Oct 28, 2011 09:20 pm Post Subject:

This isn't covered by vision insurance- vision coverage pays for things like exams, lenses, contacts, etc.

Yours is a medical concern and would be (usually) covered through your medical coverage. Are you currently on Medicare or do you have a private (group or individual) policy, or perhaps both?

In terms of acquiring new individual insurance coverage, even if the policy were to be issued, they wouldn't cover your vision problems as they would be considered preexisting conditions. Frankly, the likelihood of them even ISSUING a policy is really slim.

Long-Term Care insurance would have nothing to do with this as LTC isn't a medical coverage policy.

You stated that you are a retiree, so that makes me think that Medicare is in place.

InsTeacher 8)

Posted: Mon Oct 31, 2011 02:02 am Post Subject:

InsTeacher is right this would't fall under vision insurance, it's more a health insurance claim. Some protections to the insurance companies are waiting periods, so if you're looking to get insurance and go straight to surgery you won't be covered. Unfortunately this might be considered a pre-existing condition so you may not even be approved in the first place.

Posted: Thu Nov 03, 2011 07:06 am Post Subject:

I want to insure the one good eye urgently.