I have no idea how dental insurance companies make any money, why would you ever sign up if you didn’t know they were going to pay out more than you put in?
I come across so many personal-finance bloggers who think dental/prescription insurance is just obviously a basic necessity, and then you look at the plan they’re on and the payout caps are so low that it’s damn near physically impossible to get out more than you put in no matter *how* bad your health luck is.
(Meanwhile they live in a jurisdiction where the government has high-deductible anti-catastrophe prescription insurance for everyone and they don’t know it.)
#reply via reblog #medical cw #adventures in human capitalism #(unfortunately there *isn’t* high-deductible anti-catastrophe government dental insurance) #(and my dad sure did have some dental catastrophes this year) #((but a dental plan with a $400 cap wouldn’t have helped a damn))
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