I'm looking for an insurance plan in California to take effect on August 1 that :
1) combines dental and vision coverage under a single plan - not separate or add-on policies
2) has the lowest possible out of pocket costs (deductible, copays, coinsurance)
3) has the shortest or no waiting periods for services
4) is priced at any premium level, as a third party will be paying the premiums, not me. Since higher-premium plans tend to have more generous benefits, I'm in effect looking for the plan with the highest possible premium, not the lowest as most people usually do.
So far, I have only found one plan that meets criteria 1), issued by SureBridge under the name Prime PVDH.
Does anyone else write combo policies for dental/vision in CA ?
madbrain originally wrote: My former employer federal COBRA coverage is ending in 6 weeks. Due to unemployment/income and certain medical conditions, the state will continue to pay for my medical/dental/vision coverage under the HIPP program, within certain limits, even after the 18 months of COBRA expire. I need to choose new medical/dental/vision coverage to start in August. I have the medical part taken care of, which is the most important - Kaiser Cal-COBRA coverage is the best choice, clearly, and I already have the proper enrollment forms from my ensurer along with the price.
Cal-COBRA doesn't apply to dental and vision, however. For these, the state HIPP program has a requirement that this needs to be a combo plan from a single insurer. My current dental coverage is with Delta, and the vision coverage is with Metlife VSP. Most insurers that offer both dental and vision coverage have these listed as separate plans, not combo. If the plans are separate, as opposed to combo, the state HIPP program will cover only the dental premium, but not the vision premium. I unfortunately have significant vision issues with rapid changes, and would thus really like to have vision coverage. The state will pay for premiums, but not for any out-of-pocket costs, such as copays or coinsurance, and thus, the perverse financial incentive of this program is for me to choose coverage with the highest amount of benefits, with correspondingly highest premiums. The only plan I have found so far that combines dental & vision is the Surebridge Prime DVH plan. Does anyone know of any other combo dental/vision plan ? My searches so far have not been successful. Any help would be appreciated.