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My dentist charges me the full amount. I then get a check for about 1/3rd from the insurance company. The dentist got the full amount. I work for a FAAMG compan
by gfxgirl 5y ago
My dentist charges me the full amount. I then get a check for about 1/3rd from the insurance company. The dentist got the full amount. I work for a FAAMG company so supposedly my dental insurance is considered good. She billed $3000 for a deep cleaning and a crown and I paid her $3000. I got back $1162 from insurance
- lotsofpulp 5y agoDental insurance is really weak insurance. It is mostly a mechanism that allows employers that can afford the paperwork of offering benefits to give you the benefit of being able to pay for your dental expenses with pre tax money. The maximum benefit amount is usually $1k to $2k. Maybe $3k at a generous employer. So if you ever had a really bad dental problem that exceeded those amounts, you are not insured from having to spend on dental problems that cost a lot of money. Contrast with health insurance, where due to out of pocket maximums, you can suffer a very expensive healthcare event, and you are insured against having to pay $500k for the bypass surgery or NICU stay.
- hamburglar 5y agoYes, as someone with extreme outlier dental costs, I have come to the realization that dental insurance is not insurance at all, it’s simply a routine maintenance plan. The point of insurance is to act as a buffer for large unexpected expenses, and dental explicitly excludes those from coverage.
- gumby 5y agoI was hit on my bike and had some broken teeth and such. The dentist asked for my regular insurance carrier to pay for the work.