this post was submitted on 21 Sep 2024
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Teeth are not covered by health insurance in the U.S. (I know. We all know)
Yes here in America we operate healthcare with the knowledge that your teeth and eyes are not a part of your body.
For those not in the US: it may be covered, but normally it's a separate insurance plan and not covered by your regular health insurance.
It also varies what type of "dental" care. Some mouth/gum surgeries may be covered by the health plan. I think most dental plans cover checkups. All this varies wildly with your employer and insurance election, though.
Was just going to point this out too. It's so stupid.
I've also done the math on dental insurance vs out of pocket and a few times, out of pocket was significantly cheaper than the service + insurance.
I've done the same math recently and decided it would be cheaper just to pay myself and keep a bit of savings around for anything extra. I could not find a plan that would pay out more than $2k in a year, and that's not even a month of rent some places.
It was a very sad day when I learned that my dental insurance is a reverse deductible. Like you said, they only pay out $2k a year then it's all out of pocket. Actually so stupid.
With your plan I would suggest putting your savings into an HSA or FSA, if you have either of those available to you. At least then itβs tax free.
Clearly it's not a medical thing. I'd love to find out when that racket started, and who got rich from it.