United HealthCare Vision Insurance
QuotesThere is good news for those who want a stand alone vision insurance plan or one that can be coupled with dental coverage. United HealthOne, through their subsidiary Golden Rule, has rolled out a new vision plan for 2009.
Coverage is available for individuals and families from over 24,000 providers. States offering dental and vision coverage include Ohio, Missouri and Indiana among others. Request a Quote Today!
Plan Availability
This is actual insurance, not a discount plan. There is a large network of vision providers in several states. The insured can go out of network for exams and purchases, but the most benefits will be realized by staying in network. As this is a new plan, it is not available in all states yet, but should be widely offered soon. The vision plan, when coupled with dental coverage, can be purchased in Ohio, Missouri, Arizona, and a handful of other states.
Cost and Benefits
The cost is approximately nine dollars per month per person. In-network coverage includes:
- Eye exam every 12 months ($10 copay)
- Frames every 24 months ($25 copay)
- Most lenses every 12 months ($25 copay)
- Contact in lieu of glasses ($25 copay)
If frames and lenses are purchased at the same time, then only once copay amount is due. Not all frames and contacts are covered - therefore there is an allowance of $50 wholesale or $130 retail depending on the provider. There is no copay for non-selection lenses and contacts.
Dental Coverage Options
Get UHC Quotes »The dental insurance options accompanying the vision plan are also comprehensive. In most states, there are two to choose from - the Value Plan and the Premier Plan. The two plans are similar in benefits except that the Value Plan requires the insured to use in-network dentists whereas the Premier Plan does not. The insured will enjoy monthly savings on their premium by selecting the Value Plan and using the UHC dental network.
In summary, Golden Rule is already know for offering very affordable health insurance plans in most states. They have increased their offerings and thus their appeal by offering vision and dental insurance to prospective insureds as well.�
