Quote:
Originally Posted by FooZe
I did see the other Dental Insurance thread from 3 or 4 years ago but it doesn't seem to deal with much that I'm concerned about.
I'd been going to the same dentist for many years (with good results) but he recently retired. He didn't accept any insurance, as far as I know, and once stated that dental insurance usually wasn't worth what it cost. As I understood the arrangement (some years ago now):
-- I'd be paying the "plan" a certain amount each month for the coverage.
-- The plan would give me a list of dentists I could go to but my dentist wouldn't be one of them.
-- The dentists on the list would have a deal with the plan where the plan would send them patients in exchange for the dentists charging plan members a little less (something like 80% of their standard fees, I thought).
-- The savings to me would be roughly equal to what I'd be paying the plan in premiums, and my premiums would go to keep the plan in business. |
If I don't misunderstand this (I'm not American), I would see this "arrangement" as an outright scam....and would be highly skeptical that this would be true of normal insurance, as in, the point of insurance is everyone pays a little regularly, so that they do not have to pay a lot at one point out of pocket. But I don't know a lot about the US health insurance, just assuming that it's still a type of insurance as far as this basic concept can be applied. This doctor though, that stated all this about the "arrangement" above, he may have had self-interest in claiming that insurances got no point to them. After all, he did not accept any insurance at all.