Hey guys,
So I was looking at the individual plans offered online from Aetna, Cigna, BCBS, Metlife, VSP, and the like and these plans don't have nearly the same limits as plans offered through employers.
For example, none of the plans I see cover occlusal guards for dental. VSP through my old employer provided more coverage with transition lenses and low index frames. Nor to almost any of the plans provide any kind of mental health coverage besides Value Options, which is only provided for employers.
So how do I get these plans for individuals? I'm interested in one for myself but I know others who could use it as well. I'm sure some of the places like Caremark, Value options, and the like provide nicer coverage but only for businesses. Are there no real equivalents for individual plans?
I'm in NC if that helps... Thanks for the advice! I'm P&C so L&H are still new to me.
So I was looking at the individual plans offered online from Aetna, Cigna, BCBS, Metlife, VSP, and the like and these plans don't have nearly the same limits as plans offered through employers.
For example, none of the plans I see cover occlusal guards for dental. VSP through my old employer provided more coverage with transition lenses and low index frames. Nor to almost any of the plans provide any kind of mental health coverage besides Value Options, which is only provided for employers.
So how do I get these plans for individuals? I'm interested in one for myself but I know others who could use it as well. I'm sure some of the places like Caremark, Value options, and the like provide nicer coverage but only for businesses. Are there no real equivalents for individual plans?
I'm in NC if that helps... Thanks for the advice! I'm P&C so L&H are still new to me.