– Bill from Georgia
I’m really curious about how you were raised. Where did you get this idea of getting someone else to pay for what you want? What ever happened to the work ethic that should teach us to work for what we earn and pay for what we get?
Dental insurance companies go into business in order to make a profit. Not only is this required for survival, it is perfectly proper for them to expect to make money. They are not going to sell you a policy and give you a loophole to be able to be able to turn around and get them to pay for a set of porcelain veneers. Come on–think this through.
And while we’re on the subject, they’re not going to sell you a policy and then want to pay out ANY benefits in excess of what they collected from you. These dental plans that promise you free cleanings and/or discounted dental work for a small monthly premium, here’s how they make money for the company: The company gets a list of dentists who are willing to give free cleanings or exams or whatever and discounted fillings and other work. What you pay the dentist–that’s all the dentist gets. The company doesn’t pay the dentist anything–the money the company collects from you then is pure profit. And think about it, do you really want to go into an examination and have a dentist who knows that he has lost money on you unless he or she can find some fillings or root canals or something to fix? I’ll tell you as an insider in the business–you do not want to be tempting your dentist that way.
A word to the wise.
– Dr. Hall
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