Health and Life Insurance

Answer: D - Contact lens replacement is not a supplemental service available to HMO subscribers. Because HMOs are meant to provide comprehensive health care coverage, limitations and exclusions to benefits are not as common as with commercial insurers. However, some benefits are more often excluded than others. These include: eye exams and refractions for individuals over 17; eyeglasses or contacts resulting from an exam; dental services; prescription drugs not administered in a hospital setting; long-term physical therapy exceeding 90 days; and non-emergency out-of-area services. It should be noted that vision care, dental care, and prescription drug coverage are all options available through supplemental policies a for an increased monthly fee.