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Dental insurance, especially, is a scam. The amount of "benefit" you get really is pretty low if $bad_things happen - a few thousand at most. It's more like a
by lostapathy 7y ago
Dental insurance, especially, is a scam. The amount of "benefit" you get really is pretty low if $bad_things happen - a few thousand at most.
It's more like a pre-payment plan that lots of people don't pick up the item the care they pre-paid for.
I was going to go without because I saw what my insurance had been paying out. I figured I'd save a bit and I could "self-insure" in case of bigger problems. Joke was on me - I got billed about 6x as much as the insurance company. So now I pay for dental insurance because it gets me access to the "real" prices, not because I really want "insurance".
- jessaustin 7y agoYou can call dental clinics and ask for their prices. The prices quoted ITT are blowing my mind. For reference, see Fair Health [0]. [0] https://www.fairhealthconsumer.org/ https://www.fairhealthconsumer.org/
- _JamesA_ 7y agoI pay $119 a year for dental insurance through Costco. That's less than I used to pay for two cleanings per year without insurance.
- TylerE 7y agoCall your insurance and see what they'll pay when you need a $10,000 implant or $3,000 root canal.