It’s been three weeks since open enrollment ended, so only one week if you include the two-week extension. With more than 8 million enrollees, it has become clear that Obamacare is here to stay. But when life gives you lemons, make lemonade.
We won’t find out until the middle of the year, and then we’ll already be preparing for a big year when it comes to the Affordable Care Act (ACA). The 2014 mandate for individuals and small employers required insurance companies to make plans available to those who chose to enroll as Essential Health Benefits Packages (EHBPs).
EHBPs do not require vision and dental benefits under ACA regulations. However, pediatric dental and vision services are included for dependents age 19 and under. The 2014 mandate required everyone to have health coverage (comply with Minimum Essential Coverage (MEC)) or pay a penalty.
Now that the rush to meet ACA requirements is over, many still don’t have vision or dental coverage. Unless people keep an existing standalone vision or dental plan, or find a higher priced exchange plan that offers dental coverage, they are not covered. Surveys show that people with dental and vision coverage use their plans, make routine visits and treat problems as they develop.
According to VisionWatch, a study conducted by the Vision Council in 2011, 75% of the US adult population uses some type of vision correction. That said, those who avoid purchasing stand-alone dental or vision plans in an attempt to lower their costs are essentially setting themselves up for harsher treatment down the road. Wellness programs and preventive treatment plans are critical to the success of the ACA.
The message here is clear, regardless of age, if you’re one of the 8 million who signed up for Obamacare, but don’t yet have vision or dental coverage: Purchasing a separate vision and/or dental policy is recommended.
At least take a look at what type of coverage and premium options are available to you. Below are some links to help you find coverage!
REMEMBER: According to VisionWatch, a study conducted by the Vision Council in 2011, 75% of the US adult population uses some type of vision correction.
The 2014 mandate for individuals and small employers required insurance companies to make plans available to those who chose to enroll as Essential Health Benefits Packages (EHBPs).
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