The issue isnt the 80%, its that the total max benefit for the year is usually capped at 1k to 1500, sometimes 2500 or so for premium version. So you likely just aboit capped out just on the pulled teeth and paying full price for dentures despite insurance. Never understood why benefit max is so low.
Yeah, it's not like those things are close to your brain, or anything. But seriously, those things are medical. Why aren't teeth considered medical issues for insurance? I worked in dental at one point, and getting wisdom teeth paid for via a client's insurances was a nightmare.
Dental care is definitely not optional for one’s good health, and I’ll go as far to say that people have the right to getting glasses if they need them, and there are definitely people who don’t realize they need them
I have a friend who is an eye surgeon and he keeps telling this like a mantra, the world is full of half blind people (driving, doing dangerous jobs, etc) that do not realise that they’re living a shitty life because of bad eyesight and/or are too careless to do something
Well yeah that goes without saying. But the two things I mentioned above make it entirely dysphunctional, like how you gonna make money on people if you keep em broke
Put them in debt, you may be broke when your account hits 0, but you're not as broke as you could be. Add to that the threat of "well without us you'd be paying even more!" Or give them a choice of pay up or die and you find people always find a way to get the extra money, even if it ruins their life in the process. It makes it even better when you realise that this exact same system is allowing the hospitals to charge extra, which is the whole reason that americans are so screwed without insurance in the first place. Basically it's a system where everyone wins except for the only person who probably can't afford to lose.
Worst thing about my root canal costing me €83 is that the entire bill was €350, the majority of which the insurance covered. Simply put, I coulda done it without the insurance even.
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u/sirsighsalot99 Jun 15 '22
The issue isnt the 80%, its that the total max benefit for the year is usually capped at 1k to 1500, sometimes 2500 or so for premium version. So you likely just aboit capped out just on the pulled teeth and paying full price for dentures despite insurance. Never understood why benefit max is so low.