this post was submitted on 13 Dec 2023
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Dental insurance in the US is absolute garbage that barely covers anything really.
insurance isn't SUPPOSED to cover regular expenses. YOur car insurance doesn't pay when you take your car to the shop for maintenance. If you want that you'll need to find someone willing to sell you a dental warranty. Reach out to carshield, they aren't doing great at getting me to buy an extended warranty on my car, maybe you'll convience them to expand their business model. ;-)
If that’s the case, then why does every dental plan cover routine stuff and barely help with emergency?
Dental “insurance” is exactly the opposite of what you said it should be. It covers routine stuff but lol if you want to use it for anything else, what with their max coverage for a plan year thing and all (which routinely is far less than half of your out of pocket cost for anything other than simple fillings, and if you weren’t paying for the do-nothing insurance every year, you’d be in largely the same financial position)
Weird, my health insurance covers routine physicals, medicines that would be considered maintenance, etc. 🤔