My Dentist is super chill and nice. He gives me great treatment and sometimes gives me fillings that would cost 80€ for free. We all call us by our first name (Me, the Dentist and his Dentist Assistants) and are just vibing. I would feel so much shame if I break something at his office for the sake of goofing around for a video.
I think in my Life I paid only once my Dentist for one cleaning? And I never needed to pay my Doctor anything. Except Medications where I need to pay my Part but it's usually only 5-10€ every few months.
My health insurance is $150 a month, is not the top tier, and is only for me. I still pay for medicine (albeit it is heavily discounted but still more than yours depending on what it is).
I pay $200/month. I have to pay a copay of $30-50 every time I see a doctor. Insurance doesn't cover anything until I pay $2,000 for care (this is called a deductible). Copays don't apply to the deductible. After I pay down the deductible, it's still not free, I have to pay 20% of every procedure (and the copays!). The deductible resets every year.
This is the best option my job offers. If I lose my job, I lose my health insurance. Something like 25% of my taxes are still going towards healthcare, I just don't get to use it.
Yeah, Health and Life Insurance Agent here, shits fucked here in america. There's a lot of different versions of Health insurance that offer different methods of payment, copay, and deductibles that the average american will not understand one bit.
And just to highlight, they have pretty good insurance. That is a low premium (monthly payment), decent co-pay, and a low deductible. My sister pays much more per month for a much higher deductible since it's just the best she can get in her area. It's barbaric.
To be fair that’s not the case for everybody here. My wife’s employer pays for ours and it covers routine cleanings twice a year and there’s a copay for fillings and such. Not everybody in the US has shitty circumstances with health insurance.
Still tied to work. My buddy’s daughter was born with some health issues and if he were to lose his job he meds would jump to $15,000 a month.
I don’t know anyone else in my life who worries so much about his job. He has to be one of their best people and it’s a good job but the way he talks about anything going wrong at work you can tell he is actually scared.
So yeah good health insurance does exist here it’s just almost always tied to your job.
Sure, but you’re still relying on your wife’s employer to subsidize it. What happens if she changes jobs or gets laid off? You might end up with coverage that isn’t as good, or the new employer might not subsidize as much, putting more of the cost on the employee.
And you’re still at the mercy of the insurance company as to whether they will pay for a particular medication or procedure.
Not everybody in the US has shitty circumstances with health insurance.
Or we could flip that around and say not everybody in the US has such good circumstances with health insurance.
I get 2 cleanings a year and any work that needs to be done is covered. Though they only pay for 1 fluoride treatment a year so I gotta pay the $25 at the second cleaning
Ultimately you still pay more for medical expenses than most other places and it would be cheaper for you to pay it through taxes rather than private insurance.
That sounds like shitty insurance, even for the generally terrible US dental insurance offerings! Mine covers 2 cleanings per year, plus $2k in other dental services without limit. I've spent it on fillings, Invisalign, crowns, etc (yeah yeah my teeth suck, but they were way worse before the invisalign!)
In the United States, health insurance does not cover dental procedures. You have to get dental insurance for that. Both of those types of insurance are through companies who don't want you to get any work done so that they don't have to pay anything and can profit more. It's a terrible system.
Teeth are luxury bones in America. Many people don't have any dental insurance, and those that do often have strict limits despite paying monthly premiums.
LOL, you read the part where they said American right? As an American I can tell you, no. Your way is infinitely better and we will never learn.
eta: I want to stress this is true with dental insurance you PAY for. First, you pay the insurance. Then you pay for the treatment. Some might ask what you're paying for in the first place and that's an excellent question. If you're really lucky, you'll get a "no surprise billing" form to sign, knowing full well there will be surprises. Maybe not today but they'll come in the mail.
Lol I'm in the US. I have dental insurance. Had my first ever filling and still had to pay $650 out of pocket, no joke.
Told them in the next visit that the filling felt weird and I think it needed to be shaved down a little bit more. 2 minutes of shaving cost me another $150..not joking again! I pay $30 a month for insurance and it only covers cleanings every 6 months. US healthcare and insurance is a fucking joke.
Just gotta say, even as a fellow American, getting charged for coming in to reshape a new filling to ensure a proper bite is insane. I am prone to cavities despite brushing/flossing religiously, and I've never had those kinds of touch-up sessions get charged or put through insurance. If they fucked it up the first time they fix it end of story.
Might be different if there were more serious complications, but not something that basic. That's not normal.
Also $650 with insurance sounds more like what I would have been looking at for my root canal a few years back if insurance hadn't fully covered it. $650 after insurance seems high for just a standard cavity filling.
You legitimately seem to have found a really shitty dentist practice.
My dentist was my uncle my whole life growing up. He passed away a couple years ago and I have been bouncing around trying new dentists for the last few years since his passing.
I haven't been back to that dentist for the filling. It was my first ever cavity so I had no idea what to expect...but I am getting real tired of switching. Next time (crossing my fingers there isn't a next time since I'm 34 and only have had one cavity) I'll be sure to ask for itemized billing and question my shitty company insurance.
Oh absolutely. I had that done for $50. It’s almost like America is larger than Europe and has different COL in different areas. Not to mention different laws and regulations in different states, along with different employers who value employee benefits in different ways since no two people are the same. Anyone who goes on here to expect to puff their chest up or look down on someone else over this shit is insane.
Cost me a quarter of that on Tenerife, including the follow up for stitch removal. Maybe it cost me less, I just remember it being cheaper to go there and get it done (we were there anyway).
It would've been £76.60 if you're ever lucky enough to get an NHS dentist. But most dentists are greedy and won't take on NHS patients, or they'll try and upsell you on private treatments.
Canadian here. It's about $200 for a filling, but 80% coverage is pretty common. Also discounts for children, so I think my childs one ended up costing about $20 Canadian ($14 USD).
Yup before I had insurance it was about $200 for a filing and $1200 for a root canal. I just had a dental cleaning and paid $2 and the Canada Dental Care Plan insurance covered the rest. I had a root canal and it was only about $300 with insurance.
Maybe they paid $400 USD because they had a dental emergency. I know that doubles the cost. An emergency dental filing could easily cost over $400 with xrays.
My Dentist is super chill and nice. He gives me great treatment and sometimes gives me fillings that would cost 80€ for free. We all call us by our first name (Me, the Dentist and his Dentist Assistants) and are just vibing. I would feel so much shame if I break something at his office for the sake of goofing around for a video.
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u/Xandaru__ 3h ago
Why the FUCK would you do that?
My Dentist is super chill and nice. He gives me great treatment and sometimes gives me fillings that would cost 80€ for free. We all call us by our first name (Me, the Dentist and his Dentist Assistants) and are just vibing. I would feel so much shame if I break something at his office for the sake of goofing around for a video.