True, I know with the vision on this particular insurance the reimbursement to us was 80% up to $500 dollars, This is the best eye coverage we have ever had. I was really amazed. It used to be that my insurance paid about half and we had to pay the remainder. So there are pros and cons to this.
The bad part is that you have to have the money up front and sometimes that can be tough to come up with. Not every month I have $590 bucks laying around. I was impressed in their reimbursement and in the turn around time. I had a reimbursement check with in 15 days.
That is also how are plan operates. The limits are alot less but it is enough to cover our needs. They only pay for one eye exam so I do have to pay the extra towards a contact lens exam. The time our money is returned is also fairly quick so all and all I like the plan we have. Most people are really lucky to even have eye so I sure am not complaining.
I just don't like that the providers are not open to getting on the list, I think that they should have to get on it or you just pick a new one. I know a lot of people would not have the $586 laying around with the price of everything else to pay for the glasses and they probably would just put it off completely. When it is either put food on the table, gas in the car or glasses on your face, which one will win.
It took me a few pay days to have the extra money left over to do this and we both work, I can't imagine how many people have put it off because of the up front cost.
Yes I agree. In our case it is not the fact of getting on the list because there is no list. You just pay up front and the employer pays you back out of a fund they have in place. Everything else has a plan jut not this. It may happen in the future because they are making the medical better and better every six months along with the pay raises. Last 6 months they added zero pay lab and diagnostic, emergency room, in hospitol and gave the guys a raise. Now they just added zero pay for generic drugs (use to be 20%) another raise and double their christmas bonus....So I really can't complian..unless...Mc Cain wins and starts taxing insurance benefits.
What McCain, you just wait till Obama starts handing out his freebies to all these people that don't work, that money has to come from somewhere, guess where, taxes that is where.
I am really leary about this administration, I will keep my mouth shut, sit back and see, hopefully he does us ok.
I honestly say that we are going to pay one way or the other. Thats honestly the wat I feel. I think personally we could cover one heck of a lot of debt if we revised the whole welfare and social securuty system...Welfare was suppose to be a hand up...not a handout lasting most if not all of some peoples lives. Sama cab be said about the social security disability system.
They are both really abused, I deal with disabled veterans every day, they have to fight the veterans administration for benefits, social security will not touch them if they are disabled through the military, their feeling is that the va should take care of them. They are right, but every day I deal with veterans fighting for benefits. Most of the time they are very young and will have these issues the rest of their lives. It is sad.
