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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.
Finding a health insurance plan that covers your preferred healthcare providers and necessary medications can be a challenge, especially if you split your time between two states or travel frequently.
The way health insurance is being marketed may give you the wrong impression that Nevada Health Link is the ONLY place to buy health insurance these days, but that is NOT the case. You can continue to buy your health insurance from the same agents and agencies you’ve always bought your health insurance from.
On the employer’s end, providing health insurance can be costly and complicated. However, it can also be a reliable way to bring in new hires, improve productivity and boost morale and job satisfaction. Small businesses that want to provide this benefit have options that let them do so affordably.
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Many who struggle with substance abuse, also struggle with mental health disorders like depression, anxiety, and bipolar disorder. Often, treatment will include medication, therapy, and rehab for both provided it’s medically necessary.
Like major medical health insurance plans, catastrophic health insurance covers the 10 essential health benefits outlined in the Affordable Care Act. However, if you have this type of plan, your out-of-pocket costs for services are considerably higher than with regular health insurance.
A prescription deductible is different and separate from the medical deductible, unless otherwise stated. One deductible is for medical, ie: hospitalization, doctors, etc., and the other deductible is for filling your prescriptions.
Gender reassignment surgery in order to be considered medically necessary, certain criteria must be met, such as if a qualified mental healthcare professional provides a referral and medical or mental health concerns are present.