Why aren’t vision and dental covered under regular medical insurance?

Question

Why aren’t vision and dental covered under regular medical insurance?

In: 103

Answer 1

I know this!

Regular health insurance is built as a major risk pool. The goal (even for Medicare) is that premiums come in and a minimal of payouts happen.

Vision and dental have a risk component built in, but operate more as a super high fee savings account. You’re buying in for a discount and a very small (relative to premiums) payout.

There are health plans like this too (not ACA accredited) that do this too. Limited benefit plans.