Does having health insurance cover everything health related?

There are many levels of health insurance. Very few would pay for everything, but you could probably find a policy like that if you were willing to pay very high premiums.

We have a managed care plan at Kaiser Permanente and that covers a great deal of our needs. However, there is a co-pay for each visit, and there are limitations on most of the coverage. For instance, we can only get new glasses every other year, and the price cap on the frames limits us to only the cheapest ones, not the nicer, more expensive ones.

We have separate dental coverage, and that also has caps on the amount of coverage they will pay.

It depends on your health package. I have always had to pay extra for dental and vision on any health benefits that I have had. I usually get a separate card for dental and vision that states what they are for.

Most dental and vision things aren’t covered by regular health insurance. However, there are exceptions. Like, if you were in an accident that knocked out your teeth or injured your eye, that would most likely be covered.

Some employers offer dental and vision insurance in addition to health insurance.

No, having health insurance coverage doesn’t necessarily mean having insurance for everything health related like eye and/or dental coverage. But I understand that Obamacare is going to change all of that.

@bkcunningham Is that right? I hadn’t heard that claim about ‘Obamacare’. Can you direct me to a source on that?

What claim, @augustlan? The dental and eye care? Medicaid covers that, right? I honestly thought it did.

@bkcunningham Even if that’s so (I have no idea if it is), Obamacare doesn’t give everyone Medicaid. And now we are way off topic. And I should know better! So, to get back on topic:

Regular health insurance won’t pay for routine eye exams, glasses, dental exams, fillings and the like.

Not by a long shot.

Like others said, vision and dental are usually separate. However, my current insurance does cover one eye exam a year. Just the exam though. I pay out of pocket for contacts, glasses, etc. Dental I’m on my own for.

I know you just mentioned body parts, but beware that not all health insurance policies cover all forms of treatment! Some don’t pay for chiropractors, accupuncturists, etc., or they are billed at different rates. My friend sees a, acupuncturists and she pays all out of pocket. My heaalth insurance will cover acupuncture for “pain management” and I only pay my copay per visit. Welcome to the game!

Also, health insurance companies often deliberately create obstacles to delay treatment that should be covered under the plan as part of their business model. They have created an environment where RN’s working for a health insurance company are second-guessing and micromanaging Doctors trying to treat their patients. The Doctor can get the decisions overruled, but it’s a deliberately cumbersome process and they know that in some cases it won’t get done, or that there will be an error in one of the codes and it’ll get rejected. Doctors spend a lot of their time accommodating the bureaucracy of heath insurers instead of patient care. They really are parasites on the system.

@gorillapaws Yes, that is so.

I want to add that hearing tests are covered by most insurance, but hearing aids are not covered by the vast majority of medical plans.

No. To get that sort of coverage, you’d need to move to one of those dreaded nations where the citizens pay about half what we do, and all of them are covered cradle to grave. That would basically be any of the developed nations on Earth aside from the one that insists it’s number 1 in everything, America.