zlacker

“That can happen but isn’t normal” is exactly the kind of thing that insurance should be for. Unfortunately, US health insurance is more oriented towards covering everything rather than spreading out the risk of rare high-cost events.

>>wat100+(OP)
My person pet peeve for insurance is dental insurance. Here's what Delta Dental offers for its own employees:

https://www1.deltadentalins.com/content/dam/ddins/en/pdf/car...

If you get the PPO, you have an in-network annual benefit cap of $2,500. So you're paying your insurance company to pay your dentist for you? And as soon as the bill gets large enough that you'd actually need insurance, they tap out?

>>dehrma+CM1
What's the problem? 2500 is enough to get a cleaning and a couple fillings per year. If dental insurance covered everything you need, now, at no extra cost, people would simply get coverage for a year, get their mouth fixed, and cancel it.