Thursday, August 28, 2008
Does anyone know about affordable health insurance for people who are near blind? -
A friend has very bad vision, has to get specially made lenses and contact lenses, which for the glasses would cost about $600 even with insurance. She can't get normal coverage due to her bad vision. Are there any insurance companies that would cover more? Please let me know. Right, health insurance doesn't usually cover glasses or contact lenses. You need a vision policy, and they aren't going to take her. In order to get cheap rates, you need to buy coverage BEFORE you have something wrong. Insurance companies are trying to stay in business - if they sold policies AFTER something was already wrong, they'd go bankrupt. She's going to have to pay for these herself. No, not really. Vision coverage is a racket. Having insurance coverage actually raises the total price you will pay, once you figure in the cost of the premiums. The insurance company will only cover a paltry amount, yet will send you to the most expensive doctors. Honestly, you're better off foregoing the coverage, and sourcing your glasses and contacts in a more cost-effective manner. Check out CostCo. I recently read an article evaluating the effectiveness of prescriptions compared to cost, and Costco came out as a winner. They have a yearly fee of $35 or so, but deeply discount the vision care. They may have optometrists on site as well. Health care costs are a hot button issue with me. So much that I created a website and blog dedicated to these issues. I list them below. Best wishes to your friend in the pursuit of low cost health care. Here is a guaranteed issue health insurance for those that have pre-existing medical conditions and it does have a Vision Program included. http://www.homeland4one.com/index.cfm?id...
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