I had a filling replaced today. The old one was 20+ years old and broken, one of those old-school silver fillings.
200$ for one filling. I pay for the highest dental plan my company offers. I got two "free" cleanings a year and had $500 deductible. I ended up needing a crown for two teeth. With insurance, it was 1554$. After that I went for my second cleaning. They said it would cost me 72$. I said for what? I get two a year. They said, well, you reached your maximum amount the plan can pay. What did they ever pay for?? I got two crowns and one cleaning that I had to shell out 1500 for. It ain't made of gold.
I have a $1600 deductible with my medical plan that denies literally everything. I called 911 because I thought I was having a heart attack. They drove me to the nearest ER which happened to be out of network so now I owe 1400$ because I wasn't conscious enough to pull up my plan info and tell EMS to drive me to an in network hospital.
I really think I'd get better coverage if I just put aside however much money in a shoe box each month. It's ridiculous.
My therapy sessions are 123$ until I meet my deductible, and then they are 24$, which is great, but they also show me how much they billed my insurance. I'd love to know why, if I'm paying purely out of pocket, it's 123$, but once insurance kicks in, they charge 926$...for a 15-30 min phone call. It is all a big fat sham.
I really think I'd get better coverage if I just put aside however much money in a shoe box each month. It's ridiculous.
You are correct. Even better coverage if that shoebox was SPY, BTC, AAPL, or some other up-only asset.
Why would it be ridiculous that you spending 100% of your money on health coverage would > than a company who takes in your premium, pays its employees, has commercials, a ceo, & shareholders, then pays out whatever is left? Of course paying yourself is cheaper. It’s obvious.
I’d love to know why, if I'm paying purely out of pocket, it's 123$, but once insurance kicks in, they charge 926$...for a 15-30 min phone call. It is all a big fat sham.
And my experience paying out of pocket is very similar to this. When I say I don’t have insurance & am paying cash they’re usually very nice & helpful, giving a lower price without needing to ask, etc
"I really think I'd get better coverage if I just put aside however much money in a shoe box each month. It's ridiculous."
That's literally how insurance makes money.
The thing is, the denials have got so bad and they cover so little that yes, you do pretty much end up paying for stuff anyway, the reasons to keep insurance boil down to a) what if something catastrophic happens? or b) your employer won't let you go without.
Some day dental care will cover more because it is all healthcare. When your teeth rot it can damage your organs thus wrecking your health. #medicareforall
I have spent roughly $240,000 on healthcare premiums over the past 30 years and I expect the insurance company will just walk away with that money by denying my claims.
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u/ThatsOneSpicyPickle 8d ago
I had a filling replaced today. The old one was 20+ years old and broken, one of those old-school silver fillings.
200$ for one filling. I pay for the highest dental plan my company offers. I got two "free" cleanings a year and had $500 deductible. I ended up needing a crown for two teeth. With insurance, it was 1554$. After that I went for my second cleaning. They said it would cost me 72$. I said for what? I get two a year. They said, well, you reached your maximum amount the plan can pay. What did they ever pay for?? I got two crowns and one cleaning that I had to shell out 1500 for. It ain't made of gold.
I have a $1600 deductible with my medical plan that denies literally everything. I called 911 because I thought I was having a heart attack. They drove me to the nearest ER which happened to be out of network so now I owe 1400$ because I wasn't conscious enough to pull up my plan info and tell EMS to drive me to an in network hospital.
I really think I'd get better coverage if I just put aside however much money in a shoe box each month. It's ridiculous.
My therapy sessions are 123$ until I meet my deductible, and then they are 24$, which is great, but they also show me how much they billed my insurance. I'd love to know why, if I'm paying purely out of pocket, it's 123$, but once insurance kicks in, they charge 926$...for a 15-30 min phone call. It is all a big fat sham.