I ended up skimming through the video. The title is a bit misleading. I’m always wary of people saying X is a scam when X is just a function of capitalism. Dental insurance has saved people I know thousands of dollars, even when compared to out of pocket or payment plans. Mine is a family plan and less than $20/mo/person (<240 a year per person) and covers two cleanings a year with no copay. That in itself is worth the price in my area as most places are >100 for out of pocket cleanings. It also covers X-rays and a bunch of other work I thankfully do not currently need, but my family has in the past taken advantage of without issue. Prices may be artificially inflated due to insurance companies or buyouts, but those are the prices regardless. The video is from an actual dentist apparently and goes into issues with insurance companies and at the end mentions some things places are doing to hopefully reign in greed, but the main issue is just that insurance companies are capitalistic. I would still recommend dental insurance if you’re able to afford it unless you have a location in your area where you know the out of pocket costs and have done the math.
At this point, American health/dental/vision insurance is just a monthly payment / membership fee needed in order to be able to access medical care at a somewhat reasonable price.
I ended up skimming through the video. The title is a bit misleading. I’m always wary of people saying X is a scam when X is just a function of capitalism. Dental insurance has saved people I know thousands of dollars, even when compared to out of pocket or payment plans. Mine is a family plan and less than $20/mo/person (<240 a year per person) and covers two cleanings a year with no copay. That in itself is worth the price in my area as most places are >100 for out of pocket cleanings. It also covers X-rays and a bunch of other work I thankfully do not currently need, but my family has in the past taken advantage of without issue. Prices may be artificially inflated due to insurance companies or buyouts, but those are the prices regardless. The video is from an actual dentist apparently and goes into issues with insurance companies and at the end mentions some things places are doing to hopefully reign in greed, but the main issue is just that insurance companies are capitalistic. I would still recommend dental insurance if you’re able to afford it unless you have a location in your area where you know the out of pocket costs and have done the math.
The insurance is only half of why it’s a scam. The other half is the DSOs treating dentists like sales people, scolding them for having “low numbers”.
At this point, American health/dental/vision insurance is just a monthly payment / membership fee needed in order to be able to access medical care at a somewhat reasonable price.