3 ms·
Dental "insurance" is generally not really insurance, but a weird payment plan and a bit of collective bargaining. They often pay only 50% of non-preventative p
by xapata 10y ago
Dental "insurance" is generally not really insurance, but a weird payment plan and a bit of collective bargaining. They often pay only 50% of non-preventative procedures and cap annual claims.
- LyndsySimon 10y agoWhile that's true, the real benefit of dental insurance in my experience is just like that of medical insurance - negotiated rates.
- xapata 10y agoMany plan negotiated rates ignore regional inflation, so in some high cost areas the better dentists refuse insurance. In Manhattan for example, you can't pay rent on your dental office taking South Jersey rates. Caveat emptor and all that. I opted out of dental insurance, even though I get my teeth cleaned twice annually. It makes sense to pay out of pocket for me. Some plans also have bizarre reimbursement, or encourage worse treatment plans. Especially state-run Medicaid, but that's another story.