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Wed Oct 2, 2013, 11:19 PM

Does the ACA also offer dental and eye insurance or is it just health?

I tried getting on the site and can't get in now + friends are here and we are talking about it now.

16 replies, 777 views

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Arrow 16 replies Author Time Post
Reply Does the ACA also offer dental and eye insurance or is it just health? (Original post)
diabeticman Oct 2013 OP
durablend Oct 2013 #1
diabeticman Oct 2013 #9
bigwillq Oct 2013 #2
diabeticman Oct 2013 #8
ShadowLiberal Oct 2013 #3
diabeticman Oct 2013 #5
Marrah_G Oct 2013 #11
JI7 Oct 2013 #15
Lex Oct 2013 #4
diabeticman Oct 2013 #7
Marrah_G Oct 2013 #6
Barack_America Oct 2013 #10
frazzled Oct 2013 #14
roamer65 Oct 2013 #12
rdharma Oct 2013 #13
TeeYiYi Oct 2013 #16

Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:20 PM

1. Generally no dental or eye benefits n/t

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Response to durablend (Reply #1)

Wed Oct 2, 2013, 11:30 PM

9. thanks

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Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:21 PM

2. I don't believe it includes dental

unless one qualifies for Medicaid Not sure about eye.

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Response to bigwillq (Reply #2)

Wed Oct 2, 2013, 11:29 PM

8. thanks

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Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:24 PM

3. For whatever reason dental is almost always separate from health insurance

I've never understood that. Why doesn't health insurance cover dental visits? Your mouth is a part of your body's health to.

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Response to ShadowLiberal (Reply #3)

Wed Oct 2, 2013, 11:27 PM

5. I always thought dental and eye should be included as well

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Response to ShadowLiberal (Reply #3)

Wed Oct 2, 2013, 11:31 PM

11. It's frustrating

Even when I had Mass health there were 3 tiers of coverage. Free ( covered all dental too) and then two tiers of insurance that you could pay into the state for, depending on your income. Those two did not include any dental.

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Response to ShadowLiberal (Reply #3)

Thu Oct 3, 2013, 12:05 AM

15. i know people who could afford regular dental care but don't do it

i guess it's not seen as "health" for many. they don't realize how important it is until something major happens which they could have easily avoided.

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Response to Lex (Reply #4)

Wed Oct 2, 2013, 11:29 PM

7. thanks

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Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:28 PM

6. In RI the exchange listed 3 different dental plans, but no subsidy for them

They ranged from 46 to 85 dollars per month.

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Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:31 PM

10. Just health. But most eye diseases are covered by health insurance.

Vision insurance is geared primarily toward visual acuity.

The same is true of some dental issues.

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Response to Barack_America (Reply #10)

Wed Oct 2, 2013, 11:59 PM

14. Yes, an annual eye exam or an eye problem will be covered with ACA insurance

That is, anything medical will be covered. But not glasses or contacts. Vision insurance covers a portion of the cost of frames and lenses, or contacts. It's the hardware part only.

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Response to diabeticman (Original post)

Wed Oct 2, 2013, 11:33 PM

12. They will probably continue to be offered by employers.

In Canada, I understand that it's how they do it as well. Dental, vision, RRSP (like a 401k) and salary. Correct me if I'm wrong folks from Canada.

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Response to diabeticman (Original post)

Thu Oct 3, 2013, 12:07 AM

16. Take the amount of money you would expect to contribute...

...for a dental plan and put it into a savings account. Do the same for vision.

Until dental and vision are viewed as medical issues and covered by insurance, this is a viable financial alternative. Combined with what you would have paid out in copays, it should help.

TYY

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