I need new glasses. The only insurance-approved place I can shop online will cost $250 with my needs. I went to a "cheap" glasses website that doesn't accept insurance: $250. Yay, America.
I need new glasses. The only insurance-approved place I can shop online will cost $250 with my needs. I went to a "cheap" glasses website that doesn't accept insurance: $250. Yay, America.
The optometrist recommended seamless bifocals. I have a very painful nerve condition in my face (atypical trigeminal neuralgia), so this is what I need with glasses: the lightest weight frames possible- known as ultra light- with the lightest weight lenses possible and automatically darkening lenses so I don't need the weight of sunglasses. The cheapest frames brought the total to $250 on the site the insurance worked with.
The frames are $20 on the cheap site. Everything else in the cost is the lenses.
As for why I have to buy them online- I don't want anyone touching my face unless it's absolutely necessary. The exam was painful enough.
American for-profit healthcare is fucking awesome.
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I'm honestly not sure which frustrates me more. That teeth and eyes are not considered important enough aspects of health to be covered under normal health insurance. Or the shit insurance that's available even when you pay for additional policies to cover them.
The lack of coverage of teeth and eyes in standard health insurance is because of dentists and optometrists opting out when insurance was becoming a thing.
IIRC it’s because there isn’t really much of a point to add those to insurance. With health insurance some people will need very expensive treatments but lots of people don’t. It works because you spread the risk over many people. The people who don’t need expensive treatments pay more than they would without insurance, the ones that do need those treatments pay a lot less. Since you don’t know which one of those you will be insurance is a good idea.
With dental and glasses this is not the case. There isn’t too much variation in how much a person will need to spend on those during their lifetime.
If you get additional insurance for either you’ll see that the maximum payouts are pretty much the same as what you pay extra during the same period. You might as well just put the money in a savings account.
There isn’t too much variation in how much a person will need to spend on those during their lifetime.
Presbyopia literally means "old eyes" and the risks of periodontal disease increases roughly linearly with age and closer to exponentially if your a long term nicotine user; to name but one example for each.
They eyes are also often the first place to (outside of specific blood tests that are not routinely run) see signs of diabetes, thyroid disease, and certain types of brain tumors. The mouth is the leading cause of sepsis. So both are important for people of all ages from a preventative medicine standpoint.