#dental cost

[gwmac]

Behind Smiles: A Patient's Nightmare with MetLife Dental Insurance

Part 1: My Battle with MetLife Dental. The Toothache that Morphed into a Financial Migraine. My fateful journey through the MetLife Dental Insurance labyrinth began in February 2023 when an everyday occurrence turned into an exasperating ordeal. I needed a routine replacement crown on Tooth 18 and anticipated no issues, given my dental insurance with MetLife Dental. As I would soon discover,…

[szhmidty]

The California insurance thing is adding on to my established belief that insurance is inherently a bad mitigation for any risk that affects large swaths of the population who will very likely need it at some point.

The point of insurance is for the collective to pay an affordable regular fee, and the few who are affected by a given risk are compensated. Ideally, the EV of insurance would be 0, but in practice the EV is negative, but since we are broadly risk averse* we want it anyway.

But that only works if the fee is affordable and the risk is low. Fire insurance in California was a bad idea because everyone was at a major risk, the full cost of premiums would have been immense. California made it worse by making it illegal to charge for the real cost, but even if they hadn't, the premiums would have simply ballooned and many people would have been priced out of insuring their homes, and would still be in this situation.

Similar thing happens with healthcare. Everyone wants their insurance to cover everything, including very common, every day medications for long term medical problems. Needing my ADHD medication isn't a risk, it's not at the tail end of the probability distribution. My insurance shouldn't cover it, because covering it means that the company has to raise everyone's premiums, and raising the premiums prices people (myself included) out of being able to afford insurance for actual tail risks that could ruin their lives.

"But I need my ADHD medication to live a good life, it would ruin me to not get it" yeah, I hear you, same here, but insurance is just a bad system for dealing with that. It just isn't a risk, it doesn't fit well with the "small affordable fee to avoid unlikely disaster" model. If insurance pays for everyone's lifetime medications, then it has to raise premiums by the average of the cost of everyone's lifetime medications, and everyone breaks even, except now insurance is just more expensive and some people are priced out.

I think anytime insurance starts to sail out of the price range of the target demographic, it's a sign that something is deeply wrong and some intervention, likely government intervention, is needed. If people can't afford the fire insurance, it's because the fire risk is way too high and your forest management strategy should be overhauled. If people are struggling to pay their health care insurance, their insurance probably covers way too much because too much of every day health care is also out of reach of people.

Insurance companies aren't the good guys, you have an adversarial relationship with them. They will try to screw you over and lie to you and scam you and all the rest. But you can't get blood from stone, and you can't get a policy of "pay me money if my home built on top of kindling burns down" without paying for it somewhere, and instead of getting mad at the insurance company you should probably start asking why your home is built on kindling.

*Or, well, more complicatedly the full cost of some disasters is much worse than than strict accounting cost. Losing your home is far more destructive than losing the market price of the home's value, because it means spending weeks to months homeless and opening you up to other risks.

[clonerightsagenda]

It's such a huge scam that medical and dental are separate insurances. Assuming my insurance doesn't pull a last minute 'fuck you', I'll be at deductible after my surgery, so my physical therapy should be covered, but if I need any fillings or gum grafts or other dental repairs from all the damage the braces and surgery have done? Nope those are on a different insurance and dental doesn't have a maximum out of pocket

[greymoggy]

Emergency dental procedure wisdom tooth disintegrating many thoughts

[rhapsoddity]

Did/does Jimmy/Sheriff want to catch a bullet in his teeth? like how some westerners were seen to do (i know they were fake but they were still awesome)

He'd probably do that for like,, a photoshoot but asdghdkjfkd as U said the movie scenes were fake and he doesn't know if catching bullet is even possible

[blueboyluca]

Luca is in for a dental today. He needs to get at least one tooth pulled and the rest cleaned.

He is very overweight, I need to get him on a diet. It's so hard when my other two dogs are such fussy eaters and he is there ready to pick up anything they discard faster than I am. 😫

[gayamulet]

Good morning from the lady

[bitchesgetriches]

1/2 ☆ My lovely bitched I need some advice about a bill. I recently had a consultation with a periodontist for a procedure that's considered cosmetic. I knew the procedure itself wouldn't be covered and I did ask about it. But I was really surprised to receive a $215 just for the consultation.

(continued) 2/2 ☆ While I'm not opposed to paying a consultation bill, this seems like really large amount, and I wasn't informed I'd have to pay that much just for a consultation. I don't know if I can fight this, but is there a way to get them to lower the amount?

Oh honey that SUCKS! I'm so sorry you were surprised with a dental bill.

We think it's utterly unethical how so much of medical care is secretive about billing. Dentists and hospitals should literally have a menu board with uninsured prices for procedures listed. And yet!

Anyway, here's our guide on how to lower that bill for yourself. Good luck!

How to Pay Hospital Bills When You’re Flat Broke 

Did we just help you out? Say thanks on Patreon!

[lacilashea]

Fwd:like jesus, God and the Holy ghost pointed out they should make glasses, vision, dental, and health care at no cost everywhere across earth to animals from every walk of life, plants, people, and any of God, Jesus, and the Holy Ghost's creations, and feed all at no cost, heated and cooled shelter at no cost, hot and cold clean running water for all at no cost. I personally love Jesus as king of kings and lord of lords through God his father, Messiah, Christ-annointed, and he is my savior hope he is yours as well. 2 kings chapter 5, John 9, Luke 8:46, Luke 9:1-6, Luke 9:13-17, Luke chapter 14:12-13, Luke 18:40-43, John 5:36-40, John 6:7-13, John 6:30-58, John 7:36-39, John 8:31-32, John chapter 10:24-42, John 11, John chapters 12 and 13, John chapter 24, John 15:17-27, John chapter 16, 17, 19, 20, and 21. Mark and Matthew the books and Luke 12.

Fwd:like jesus, God and the Holy ghost pointed out they should make glasses, vision, dental, and health care at no cost everywhere across earth to animals from every walk of life, plants, people, and any of God, Jesus, and the Holy Ghost's creations, and feed all at no cost, heated and cooled shelter at no cost, hot and cold clean running water for all at no cost. I personally love Jesus as king of kings and lord of lords through God his father, Messiah, Christ-annointed, and he is my savior hope he is yours as well. 2 kings chapter 5, John 9, Luke 8:46, Luke 9:1-6, Luke 9:13-17, Luke chapter 14:12-13, Luke 18:40-43, John 5:36-40, John 6:7-13, John 6:30-58, John 7:36-39, John 8:31-32, John chapter 10:24-42, John 11, John chapters 12 and 13, John chapter 24, John 15:17-27, John chapter 16, 17, 19, 20, and 21. Mark and Matthew the books and Luke 12.

[egberts]

Pet insurance exists and is very helpful. Vets are some of the lowest paid doctors in the U.S. and clinics are struggling to afford equipment and pay a livable wage to the few employees they have. They're not trying to extort you; imagine if you went to the dentist without insurance and got a full cleaning plus teeth removal plus meds for less than $1000? It'd be a miracle. Vets don't want to charge so much, they and the rest of us in the industry are drowning :(

i wasn't talking about individuals. I was talking about companies, the whole building, the entire practice and industry. not the individual vets that work inside, i have no doubt that the individual veterinarians DO care an incredible amount and I'm sure that they do wish that they could be paid fair wages and do their job for free at the same time, because they went into it for the love of animals not the money. just because individual veterinarians aren't intentionally extorting sad or desperate people doesn't mean that the industry/business they work for isn't

[amalpk9988]

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[guideaus]

i'm really getting so concerned abt my dental health, i cant read this rn

[sleepandblog]

two little pieces of my tooth broke off so that's fun. same tooth that has been broken for a while so at this point it's more broke than tooth

[instantezra]

okay so as someone who has had a Number of medical procedures in their life i still think mouth pain might be some of the worst

[dmmarketing2233]

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