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Kids and Health Care: Dental, Vision & Prescription Drug Plans Introduction

Our discussions of traditional insurance and managed care plans both talked about how dental, vision and prescription drug coverage are often excluded from coverage. When we discussed COBRA and state-subsidized plans, we suggested that you consider dropping coverage for dental, vision and prescription drug coverage if money is tight and you're having trouble making monthly premiums. Whenever anyone talks about economizing on health care expenses, they'll make some mention of cutting these coverages back.

But where does that leave you when your kid needs dental work, vision care or prescription drugs?

Most risk management experts point out that dental and vision problems are usually not life-threatening -- and that's the reason why they suggest people opt out of coverage when it gets too expensive. This works as corporate advice (companies buying group health coverage can more easily pass on specific coverages); but it doesn't work so well as advice to someone whose five-year-old needs glasses.

In this chapter, we'll take a look at the nuts and bolts of dental, vision and prescription drug coverages. And we'll look at what you can do when you don't have insurance for these types of care -- but you have a child who needs them.

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