This coverage is not always provided by traditional plans. Large employers are most likely to provide prescription drug benefits. In addition, some states have laws mandating prescription drug coverage in policies sold to small businesses or individuals. Some plans require you to use a mail-order pharmacy for drugs you take on a regular basis. Dental procedures are rarely covered by health insurance plans, but some employers offer dental coverage as a separate package.
Reimbursement varies by procedure and is often lower than that of medical plans.
Some dental plans now offer managed care provisions similar to PPOs. They pay a higher percentage of dental costs if you use a dentist in the plan's network. Eye examinations and corrective lenses are usually excluded from traditional health insurance but may be purchased as a separate package. Vision benefits can be administered as traditional or network-based plans. This is probably one of the most overlooked forms of insurance for working-age people.