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Health insurance in Colorado?

Asked by: everno14 622 views Pet , ,

I just moved to Colorado from California and am looking for a job. My problem is I have to get my vision tested, and I’m going to an optometrist, but I’m pretty sure he’ll refer me to a specialist and testing will be required. I really want to go because I’ve been putting it off forever and it’s starting to affect me a lot. I applied for Medicaid and was denied, obviously, since you have to have children or be over a certain age. Is there an insurance plan that’s comprehensive and affordable, something that’s going to cover doctor visits? I’m not looking for hit-by-a-bus insurance because that won’t cover doctor visits or prescriptions. Or is there another public option? Thanks for your help!

2 Answers



  1. Airylizard on Dec 11, 2012

    One step at a time. Go to the optometrist first. Health insurance isn’t going to cover anything wrong already, so even buying health insurance won’t get the opthamologist visit covered. Eye problems don’t crop up overnight. And regular vision visits without a medical underlying cause, aren’t covered under health insurance. You’re under the mistaken impression that "hit by a bus" insurance costs more than "cover the little stuff" insurance – and it’s quite the opposite – "hit by a bus" insurance has a HIGH deductible, and costs MUCH less than "cover every little thing" insurance, which has a low deductible, and could cost three or four times as much. The ONLY public options, are welfare – Medicaid – for very low income and sometimes adults based on state rules, or Medicare – for elderly and disabled people.

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  2. Jacob on Dec 11, 2012

    In this case, no.Health insurance only covers things that are needed only for medical reasons. Health insurance does not cover anything that is needed only because it is required it by a job.Also, most health insurance does not cover regular vision testing (like you need to get glasses or get a job). Certain disease-related special testing, such as if you have cataracts and they need to test you to see what type of cataract surgery you need, might be covered. The testing you need is covered by vision insurance, but not by most health insurance.Finally, the testing you need costs under $100, unless you try to use insurance. Getting insurance and using it for this testing (or just getting insurance, even if you don’t get the testing) will cost you more than getting the testing without using insurance.

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