> "1. It discourages "routine maintenance" -- it's a lot cheaper to go to the dentist annually than to get a root canal every ten, yet there are many who if the

> "1. It discourages "routine maintenance" -- it's a lot cheaper to go to the dentist annually than to get a root canal every ten, yet there are many who if they only had catastrophic dental insurance would skip the annual." It's not quite fair to say that it discourages, when really it just doesn't encourage routine maintenance. To that end, it would be interesting if there was a component that encourages routine maintenance. Every undocumented annual checkup results in <some percentage> of the claim being the claimant's financial responsibility. Similar, I suppose, to an automobile warranty where a lack of documented regular maintenance can be grounds for voiding some portion or all of the warranty. The healthcare parallel being less extreme.