3 Places Where Your Health Insurance Likely Falls Short
With the astronomical cost of health insurance these days, you probably just assume that your healthcare plan is going to pay for everything but the kitchen sink. However, that's simply not true. In fact, most health insurance plans cut a variety of corners. In fact, there are 3 big things that your health insurance probably doesn't cover.
So, what do you do if your health insurance doesn't cover these basics?
Look for a private plan that won't break your bank. That way, you'll be covered - no matter what kind of issue pops up!
1. Medicare supplemental insurance
If you're on Medicare, supplemental insurance is an absolute must-have. You may not know it, but there are plenty of things - some of them very basic - that Medicare does not cover. For example, if you go on vacation out of the country and get sick or injured, Medicare will not cover the costs of your treatment.
Medicare supplemental insurance comes from a private company, and it's designed specifically to "fill the gaps" that traditional Medicare coverage leaves behind.
2. Dental insurance
It may be routine, but the cleaning and x-rays that you get at your dentist's office once a year are expensive! If you have to foot the bill all by yourself, you're looking at spending hundreds of dollars just for the most basic dental treatment.
That's why having dental insurance is so important. With it, those routine dentist visits - and even visits that are more serious - won't break your bank account. However, most health plans don't include dental insurance. If something goes wrong with your teeth - or you simply just want to get them cleaned - you're out of luck. In many cases, dental insurance is cheap enough that you simply can't afford to go without it!
3. Vision insurance
When's the last time you got a new pair of glasses? It was probably very expensive! Without vision insurance, a simple trip to the eye doctor, a new pair of eyeglasses, or even your regular shipment of contact lenses is very pricey. And, just like dental insurance, vision insurance is not included on most health plans.
Luckily, vision insurance isn't particularly expensive - especially when you consider how much money it can save you in the long run. And, as an added benefit, lots of companies will sell vision insurance and dental insurance as a package deal. By bundling the two policies, you can save even more money!