Group Health Insurance
Health care reform
Health Savings Accounts (HSAs)
Individual Health Insurance
Long Term Care Insurance
Medicare related coverage
01-13-2009 by Colleen King
First of all, Happy New Year! Here’s hoping 2009 treats people better than 2008.
In the individual health and group health insurance arenas, medical insurance covers medical problems only. The thing we used to debate when I worked for a carrier years ago, is what’s the difference between what is and is not covered under the medical plan when it comes to eye related problems.
Basically, vision care refers to glasses, contact lenses and the exams to figure out how well you do or do not see. Your health plan would cover illness or injury to the eye, like conjunctivitis, a corneal abrasion or cataract removal. If you can’t see because the lenses in your eyes are opaque, the surgery would be covered under medical and usually the eyeglasses associated with it would be as well. If you can’t see because you’re near sighted or far sighted, that fall under vision care.
When looking for a vision plan on an individual basis, there’s not a lot available. VSP offers a plan that you have to buy directly from them, they won’t let agents sell it and it’s about $200/year. Think about it; how much are your glasses or contacts and exam going to cost? It’s hard to market a vision plan that’s affordable because, who is going to buy it? People that WILL use it. Whereas with medical insurance, you may or may not use it but most people acknowledge they should have it, just in case.
Group health insurance parameters are similar as to what is covered how. But, group vision plans may be something to consider as there are so many more of them available and fairly reasonably priced. But for individuals, I usually ask if the have the Auto Club, AAA. Many retail places like Lenscrafters, Pennys or Sears optical offer discount. And you’ve already bought that card!
Be well, and all the best for 2009!