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Old_Travel8423 t1_ivhp5ju wrote

Two concerns I have:

  1. voting yes means insurance plans have incentive to pay more for procedures so they can charge patients more and collect more premiums; and

  2. the lack of reporting in the system is terrible and more reporting is better imo.

2 outweighs 1 for me. But both are concerns.

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mtmsm t1_ivi90nm wrote

I’m more concerned about insurers pulling out of the state. But whatever insurers remain will have to comply with the law, so their profits will be limited. And if too many pull out maybe the state would step in and form some sort of state-run dental plan? I don’t really know what would happen. I’m still conflicted on this issue.

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HobNailBoots1 t1_iviwbyf wrote

No dental insurance in the long term will leave you financially better off and with better dental health. Plans cover nothing if you know how to read eligibility sheets. Insurance is a business and could not care less about your dental health.. they will never spend more than what they can get out of you on a monthly basis.

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mtmsm t1_ivjjjcx wrote

> they will never spend more than what they can get out of you on a monthly basis.

In aggregate, you’re correct. On an individual basis it’s a crap shoot. We are basically gambling on our health, except the prize is you owe money you maybe can’t afford to lose.

I’m going to keep paying for dental insurance anyway because my employer subsidized it, so it’s cheaper than paying for cleanings out of pocket. Other people will keep paying too, so there’s still the question of whether this law would raise their premiums or lower them.

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Wtf_is_this1234 t1_ivjmnf3 wrote

I mean, I've had thousands of dollars of work mostly covered by the insurance.

I agree that if all you need is two cleanings a year and nothing else, then yeah it's cheaper to go without the insurance. But you can't really anticipate major tooth problems.

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