Deep_Sky478
Deep_Sky478 t1_jacnd09 wrote
Reply to ELI5: why do dental visits in 🇺🇸 cost insured patients so much compared to medical visits? by FirstAd6848
Dental insurance isn't insurance. Think about your car insurance. It has a deductible, say $1000, and after that you don't have to pay anything to get the rest of your car covered if you have an accident. The maximum you pay is $1000. Health insurance is the same. Dental "insurance" is backwards. It usually covers UP TO $1000-1500. So if you need something simple done you don't pay anything. If you need a $40k set of implant dentures you're on your own. Dental insurance is quite literally the opposite of insurance.
The rate of coverage also used to be higher. Crowns on average now are $1200ish, they used to be $700 a decade or two ago, but insurance hasn't budged.
Deep_Sky478 t1_jacnmgt wrote
Reply to comment by Deep_Sky478 in ELI5: why do dental visits in 🇺🇸 cost insured patients so much compared to medical visits? by FirstAd6848
It's also very easy relatively to ruin your teeth. If you get 15 cavities thats 15 procedures to fix it. It gets expensive fast. Prevention is super important and infinitely cheaper.