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Yes. It's also the structure of the insurance policies. Dental insurance typically has a relatively low annual maximum payout which caps the insurer's losses o
by khuey 6y ago
Yes. It's also the structure of the insurance policies. Dental insurance typically has a relatively low annual maximum payout which caps the insurer's losses on any given customer. Health insurers have the potential for nearly unlimited liability on any given customer and design Kafkaesque processes to try to wriggle out of it.
- jessaustin 6y agoHealth insurance is awful, but dental insurance isn't much better. Employer-provided dental insurance is fine. Don't buy it yourself, however. If you have few dental problems, it will just be a way to pay an extra percentage over standard exams and cleanings. If you need a lot of work, however, a standard private plan will pay for a portion of the work done on one tooth in any particular year. Private paid dental insurance is basically never a good investment. It is better to borrow when you need dental work you can't immediately afford than to waste money on dental insurance.