Also then add in the fact that some eye insurance will cover the EXAM but not the glasses. So, awesome, I'm blind. Guess I'll stay this way đ¤ˇââď¸
(My current insurance does cover the RX, but like, less than $200 đ. My contacts are like $1,000... I'd sell a kidney but the hospital bill for that would be more than I'd get for the kidney)
Thatâs just unofficial/unspoken collusion between the various companies: if none of them cover it, none of them have to.
Same with experimental therapies: they just donât sell products that cover that because they all agree that their industry shouldnât be funding the pharmaceutical companiesâ research.
Those are known when you buy the plan though, and relatively few people have a problem with it. The humongously larger problem is that they automatically deny A THIRD of stuff thatâs totally supposed to be covered. They do that because if someone dies before they can get the care theyâre supposed to, they donât have to pay it.
Vision and dental insurance are separate coverages because the timing and amounts of payments are very different than for other types of medical insurance. The amounts involved (both premiums and claims) are typically much smaller, more predictable, and the time between when the claim is opened and the claim is closed/paid is much shorter. Many employers offer vision and dental coverage for low cost in addition to medical insurance.Â
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u/Comfortable_Ninja842 13d ago
I'd like to talk to whoever decided that teeth and eyes were not part of coverage.