I don't mean to offend you when I say that dental insurance is a big scam. It is a big racket that usually has 32 teeth. Not sure why I call it a racket yet? Well, if you break a string on the racket, you only need to replace that string. The rest of the racket is still good. In the same way, if you lose a tooth (God forbid), it's not a big deal. How expensive it is to go to the dentist! You give the dentist your teeth and money as well.
Without dental insurance, it can be hard to pay for dental care. I can think of a real-life event. A health benefit plan was put in place at a bank that reimbursed Officers for all of their actual dental care costs. The way people responded to the plan was great. There were a lot of requests for money to cover costs. It almost took the shape of a scam.
Almost every day, one officer sent in bills for expenses to be paid back. I asked the dealing assistant one day, "What's wrong with this Officer's dental health? Is he sick or has bad teeth?" Based on the claims he is making and the way he describes his dental problems, not only does he need to be declared medically unfit, but so do his next seven generations. I added.
This happens every time a good plan is messed up. But most plans today aren't very good, and insurance agents don't do a very good job of putting them into place.
When it comes to making plans, the think tanks at any insurance company can come up with great ideas. The way the premiums are set up is so well thought out that you don't even notice how well they take your money. After all, they have to pay their executives big salaries, big TA bills, air conditioning in their offices and homes, big housing loans with low interest rates, bonuses and incentives, a lot of vacation time, air travel, and a lot of other costs.
The normal essential dental plan covers costs that are eligible, such as costs for diagnosis, prevention, and treatment, as well as costs for dental cleaning, dentures, and surgery. You need to carefully read the policy's terms and conditions because there are always ifs and buts, and the way claims are paid out depends on the social norms of the society or country. Most of the time, the clause "conditions apply" is bad for the policyholders.
Someone has said that the business of insurance is like "white-collar robbery." He must have good reasons for what he's doing!
