CUL Dental has it changed that much ?

[LostDollar]

When I said they were weak on vision. I was referring to UNL...or anybody really. I don't consider a $200 benefit every other year to be strong. The lady I just referred to is going to get a spare pair.

Does UNL allow reimbursement for an eye exam every year?

Does the deductible you mentioned apply to combined dental and vision expenses for the year?

edit-----
the reason I asked, I think eye exam every year and glasses every other year was a pretty standard coverage in the group vision plans we had over the years.
end edit---

 

[jerryrut]

The only company that I know of that pays on actual charges is UNL. They're weak on vision and have no hearing aid coverage. They do pay 80% from day one and go up to $2,000 a year.

I have a client that told me she's thinking about using Aspen Dental for some major work. I reminded her about Usual and Customary charges. I told her that I think Aspen's expensive, so have Aspen call Manhattan to see what they'll pay BEFORE she has the work done, because I don't want her to have a heart attack when she sees the bill.

If I was going to offer something other than Manhattan, it would be UNL or UCT, but neither one of them has a pool of money. To me, that's what makes Manhattan's DVH stand out.

Who is UNL?

 

[LostDollar]

When I got CUL, it was $25, and now its $30. Im gonna get Lasik soon, then just get an ordinary dental plan with Delta, or I may try UNL.

If your teeth are in pretty good shape and you are just doing insurance for "young person" basic cleaning and the remote risk of accident-If individual Delta coverage there is like Kansas, you may find it to be pretty expensive.

If you do any cost and/or network comparisons for Delta and UNL, I'd be interested in a pm. (no promises there.)

 

[LostDollar]

Who is UNL?

Dental & Vision Shield - UNL Insurance

That is as far as I can go with that one as a non agent.

 

[jerryrut]

CUL and UNL are priced about the same. What if you need hearing aids? What?

I'm having trouble hearing you

 

[JustinTime]

Also, don't forget that Medicare Advantage plans (although they aren't supposed to be sold on Value Added benefits like dental, hearing, vision) can help out with these costs as well.

I know this isn't a vision plan, but for some you might find it helpful to mention to clients to consider getting their eyeglasses direct from a place like Zenni Optical:

Glasses – Glasses Online – Prescription Glasses | Zenni Optical

My wife got a pretty basic pair of prescription glasses (frames and lenses) mainly to use at night for $12 shipped directly to our house. I've had co-workers who have purchased from there as well and been pleased. Obviously you can spend more, but since they manufacture their own glasses they cut out the middle-man.

ReSpecacle is another place you might want to check out if for some reason a person can't afford new glasses. They basically recycle glasses and anybody can get up to 3 free pairs shipped to them per calendar year:

ReSpectacle

 

[goillini52]

Does UNL allow reimbursement for an eye exam every year?

Does the deductible you mentioned apply to combined dental and vision expenses for the year?

edit-----
the reason I asked, I think eye exam every year and glasses every other year was a pretty standard coverage in the group vision plans we had over the years.
end edit---

Yes, up to $50 a year.

Yes one combined deductable.

When they changed to a stand alone plan, rather than a rider...they put a lot of limitations and maximums on the plan that weren't there before. It's no longer a good plan and over priced in my opinion. I've tossed it in the garbage. I kept one brochure/outline for the sake of reference.

 

[goillini52]

Who is UNL?

United National Life...GTL's sister company.

 

[goillini52]

I'm having trouble hearing you

What????

 

[goillini52]

Also, don't forget that Medicare Advantage plans (although they aren't supposed to be sold on Value Added benefits like dental, hearing, vision) can help out with these costs as well.

I know this isn't a vision plan, but for some you might find it helpful to mention to clients to consider getting their eyeglasses direct from a place like Zenni Optical:

Glasses – Glasses Online – Prescription Glasses | Zenni Optical

My wife got a pretty basic pair of prescription glasses (frames and lenses) mainly to use at night for $12 shipped directly to our house. I've had co-workers who have purchased from there as well and been pleased. Obviously you can spend more, but since they manufacture their own glasses they cut out the middle-man.


ReSpecacle is another place you might want to check out if for some reason a person can't afford new glasses. They basically recycle glasses and anybody can get up to 3 free pairs shipped to them per calendar year:

ReSpectacle

Yeah, but sometimes they mess up.