Additional Health Care Coverage – Medical, Dental & Vision?
Question by : Additional Health Care Coverage – Medical, Dental & Vision?
I am a single mother of two young boys (ages 11 and 14). I currently pay for United Health Care coverage through my employer for Medical, Dental and Vision. However the only plan that my employer offers with United Health Care covers only the very basics. Because of this limited coverage, I would really like to purchase “additional” health care coverage from a different insurance provider.
My question(s) to all of you have been listed below;
1. In California, am I allowed to purchase additional health care coverage outside of what I already receive through my employer?
2. If yes, would the additional insurance coverage purchased then be considered a “secondary insurance” to my existing/primary health coverage with United Health Care?
I just want to be sure that its not against the law if I were to purchase additional health care coverage outside of my employer.
In Advance – I would like to “Thank you” for taking the time to read my question and sending me your answer…I truly appreciate your time.
BTW….I welcome any/all health care provider suggestions.
~ Montereygirl67
Best answer:
Answer by Cold
Don’t get extra dental and vision.
It’s just not worth it the extra cost.
A little out of pocket for these services will be more cost effective over the long run.
Just keep a special savings account for these extra charges.
With medical, ask your employer if you can decrease your deductible or get more benefits.
The complaints on “outside” health insurance plans are mind-boggling.
Your best bet is always through your employer.
These outside companies tend to turn you down for covereage and the complaints fill the internet.
Again, you can set up a savings account to meet your deductibles or out of pocket expenses – financially the best thing you can do..
Know better? Leave your own answer in the comments!
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Yes, additional coverage will be secondary. I would not get extra vision, as costs for that are not much (an exam at Costco is under $ 50) and the premiums would be more. Dental is also some what iffy. Now as to medical, your plan is basic and you want more….so you would be getting a more stuff plan which would be incredible expensive on the individual policy market–the premiums may be so much more that they are ridiculous (many people in CA just got 20-70% increases in their single policy market which you would be in)–mine alone went up to $ 900 a month in CA. The one that I recommend for its totality in coverage and relatively cost effectiveness in Kaiser, which is in California. I would highly recommend you look at them. They would not be secondary per se as you would just be going to Kaiser on the plan, outside of Kaiser you could use your work plan. Kaiser includes ER visits, out patient clinics, medications etc & they tend to be all in one place.