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Vision insurance is a good way to reduce eye care expenses, especially if you are among the millions of Americans with some degree of vision impairment. According to the CDC, the cost of eye care prevents about half of Americans from seeing an eye doctor. In most cases, lack of adequate health insurance kept individuals from seeking care.
If you have health insurance, your policy may cover some vision services. However, it is important not to make assumptions about what is covered. Contacting a health insurance agent who will help you review your policy can prevent surprise bills if you need services later.
Your health insurance policy covers services that address medical conditions, including eye-related issues. For example, health insurance covers vision surgery for fixing a detached retinal or removing cataracts, but it does not cover routine eye exams and items such as glasses or contacts.
Vision insurance pays for a portion of expenses such as basic preventative care, including vision tests and eye exams. It also covers eyeglasses, including the lenses and the frames, and/or contacts. Depending on your plan, there may be additional benefits, such as coverage for daily disposable contacts.
Vision insurance does not cover eye surgeries. If your optometrist notices a medical problem during your annual eye exam, they will refer you to a medical doctor, such as an ophthalmologist, for further evaluation. From there, your health insurance would pay for treatment if it were deemed “medically necessary”.
Corrective surgery has become an increasingly popular choice for those with less-than-perfect vision. Despite its convenience and cost-saving benefits, corrective surgery is not medically necessary and is not covered by either your health or vision insurance. However, because it can ultimately save the insurance company money, many vision plans include discounts that may help you afford surgery.
If you wear glasses or contacts, the benefits of vision insurance are obvious – annual eye exams can be pricy, and depending on your prescription and eye health, corrective lenses can be a significant expense.
However, even if you have perfect vision, you should not skip eye exams. These exams can detect hidden medical problems, including brain tumors, certain types of cancer, high cholesterol, high blood pressure, thyroid disease or vitamin deficiencies. If you are under 40, current recommendations are that you visit an optometrist every five to ten years. As you get older, more frequent appointments are recommended.
If occasional routine appointments are all you need, then you probably do not need vision insurance. However, if you have poor vision or a family history of eye disease or a condition like diabetes that increases your risk of eye disease, vision insurance can save you money.
Vision insurance is generally affordable, but benefits and out-of-pocket costs vary widely. At Nevada Insurance Enrollment, our health insurance agents help you find the right plan for your needs.
If you’ve missed the open enrollment period and don’t have a qualifying life event that would allow you to enroll during a special enrollment period, you still have options.
Once you have picked a health insurance policy and paid your first month’s premium, you probably expect your coverage to begin immediately. However, depending on when you enrolled and under what circumstances, you may have several weeks before your health insurance coverage takes effect.
Health insurance companies that sell plans on the Health Insurance Marketplace can offer four types of qualified health insurance plans, including Bronze, Silver, Gold, and Platinum. The plan you choose determines not only the premium you pay but also what portion of your health costs you pay.
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If you experience a more extensive medical emergency and require hospitalization, hospital bills may quickly become a burden. A three-day stay, for example, could set you back about $60,000 depending on what tests are ordered and what happens during your stay.
Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.
As is the case with all elective surgeries, rhinoplasty is not covered by health insurance when the procedure is not medically necessary. Cosmetic rhinoplasty changes the overall appearance of the individual’s nose by reshaping it or reducing its size.
Health Maintenance Organization (HMO) vs. Preferred Provider Organization (PPO) vs. Exclusive Provider Organization (EPO)