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dangott04 t1_ivpz42a wrote

Great Barrington voter here. I’m all for regulating dental insurers, but the 83% figure seems arbitrary, not based on data, insurers will have numerous ways to meet the 83% threshold, and there’s no guarantee that this will in any way lower costs or improve overall dental health.

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louderchowder t1_ivq0n9m wrote

You’re a shill. It’s not arbitrary, it’s based on a similar requirement for medical insurance, which has a ratio of 88%

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MOGicantbewitty t1_ivq0iw0 wrote

What convinced you that it was better to let insurance companies have no regulation in the amount of profit they can make? Like, how do you think an arbitrary number like 83% is worse than letting dental insurance companies charge more in premiums than they actually cover and services annually? Most dental insurance plans charge incredibly high premiums, and you can’t even begin to get major work done until at least the second or third year, by which time unless you’ve paid more in premiums than you are eligible for in the 50-65% coverage in services.

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sjashe t1_ivq1mjk wrote

I voted no on that, because my dental insurance and plan has been very good and low cost for over 50 years.

Whenever you add more regulation and more laws.. and you get is a higher cost. Just watch what happens to our dental plans now.

I only wish our regular health care worked as well as our dental plans

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MOGicantbewitty t1_ivq3nsz wrote

You know what? I don’t think you are telling the truth at all. You’ve only become active in the last year in the MA & NH subs. Are a Jordan Peterson fan. And make really weird assertions about communism.

What low cost plan do you have available to you in Great Barrington?

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[deleted] t1_ivq4pn3 wrote

Most dental is low cost.

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MOGicantbewitty t1_ivq53yl wrote

Lmfao!!!!! Hahahahahahahahahahahaha! Get the fuck out of here shill. You already lost

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[deleted] t1_ivw4d1t wrote

I pay like $125 a month

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MOGicantbewitty t1_ivw8xn0 wrote

Prove it. Show me the paystubs with your address and name blanked. But you better leave the zip code since you are pretending to be from Great Barrington. Or link to the plan. Because you are a liar

Your word means nothing. Evidence is publicly available. Or you could provide your own individual evidence blanking out identifying information. Do it or fuck off. Because you’re a goddamn liar

And show me what benefits you are eligible for at that price. Because it’s nothing more than a scam

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[deleted] t1_iw2ibln wrote

Seems like a lot of anger over a quote.

https://sqe.deltadentalma.com/Recommended.aspx

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MOGicantbewitty t1_iw2xkr3 wrote

Yes, I’m so aaaangry. Now you’ve really proved me wrong. Lmao

Those plans every single one of them has a maximum benefit of $1000 a year. MAX! Plus deductibles. And at best cover preventative care and 40-50% of other dental care. Including fillings. But only up to $1000. That’s it’s.

And you STILL didn’t prove that’s what you pay. Nor that the new law wouldn’t make it better.

Go away shill. You lost and you still haven’t shown me anything that backs up your argument. Bye!

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MOGicantbewitty t1_ivw9qae wrote

So you pay $1500 a year. For what? $75 for an annual exam? X rays every couple of years for $250 every two years? So you spend $1500 a year to get $200 a year in preventative care? What’s your co-pay for that? How much do they cover in other services?

Seriously, come with numbers and proof of those numbers or GTFO. Because you STILL haven’t provided anything but your bullshit word.

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[deleted] t1_iw2j0sr wrote

That’s a family plan. 4 people.

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MOGicantbewitty t1_iw2xm9j wrote

Bye shill!

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[deleted] t1_iw3frus wrote

You need some help. I feel bad for your boyfriend, although, he’s probably as nuts as you are.

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MOGicantbewitty t1_iw3g0gm wrote

Ohhhhh noooooo…. I’m sooooo hurt. I must be really crazy if some idiot on Reddit resorts to ad hominem attacks. 😂😂😂 That’s honestly pathetic. Bye!

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sjashe t1_ivu7sm1 wrote

Sorry I don't post to your standard of acceptability.

Peterson is a fascinating speaker, making a great impact on thousands (more than any reddit poster).

As to me, if I've paid more than $30 a year over 50 years on dental costs (beyond the premium, which is <$5 a week), I'ld be surprised (and it was usually a mistake by the dentist where he overcharged.. and I let it go).

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MOGicantbewitty t1_ivuc2oz wrote

Prove it. Show me ONE dental plan in MA that has existed for 50 years that costs less than $5 a week and covers enough to only pay $30 a year in co-pays.

There isn’t one, you big fat lying shill. Get the fuck out of here because you already lost.

There has been no plan available in Massachusetts for 50 years that cost less than five dollars a week and covers everything. Prove it or you’re a big fat lying shil.

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sjashe t1_ivv4svh wrote

Wow.. you are really the example of reddit commenter.

I said I have had insurance here for over 50 years.. first through parents, then through my employer for last 35 years. Im sure the insurer changed many times over the years, but I just checked my paystub and I paid 8.88 for a two week period.

Sorry your life is so tough. I'm saying I like my dental care. Sad that you let this get you so upset, life is too short for that.

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MOGicantbewitty t1_ivv6yq9 wrote

Yup. I am a typical Redditor. I know how easy it is to provide evidence. But you refuse to… because you can’t. Honestly, embarrass me! Prove me wrong!

Lmao…. If you can’t stand the typical Redditor this much, then maybe you don’t belong here. Because we all expect evidence. We aren’t stupid, we know what astroturfing is we know what paid shills look like, and we know what trolls look like. This isn’t Facebook. Try somewhere else if you think you can do better.

Or prove me wrong. With evidence besides your invaluable word

Really… prove to me that those numbers ACTUALLY exist.

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MOGicantbewitty t1_ivv79xs wrote

Seriously, prove it. Blank out your name and address besides zip code, since you are pretending to be from Great Barrington. Show my those paystubs. And link me the the dental plan. It’s publicly available information

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MOGicantbewitty t1_ivq435g wrote

So you bought dental insurance in MA in 1972? Only 6 years after is became available in MA? And have kept the same insurance company for 50 years? So you must have Delta Dental. THATS you idea of a low cost high benefit plan? Lmao…. No.

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MOGicantbewitty t1_ivq387m wrote

Could you share that dental plan? I’d certainly appreciate a low cost dental plan that’s existed for 50 years.

But if your’s is already low costs and your benefits equal your premiums, then you wouldn’t have been affected.

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Watchfull_Hosemaster t1_ivqb1lj wrote

It should be 100% if we're looking for a non-arbitrary number! This bill guarantees them 17% to skim off the top of insurance premiums just for being the middle-man in financial transactions for when we need to get our gums cleaned and our teeth polished.

Amazing that people that are not trained in dentistry can make $17 BY LAW for every $100 we spend for getting root canals and fillings and they are complaining about it. Be grateful for our corrupted system. We could overhaul the entire thing and put them out of business.

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[deleted] t1_ivr5o6t wrote

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MOGicantbewitty t1_ivws9z1 wrote

That’s not how math works. 17% doesn’t magically become 40%. And if they can skim that much under the new law, how much were they scamming us for before? Shills are getting sad in their efforts

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[deleted] t1_ivwt2yz wrote

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MOGicantbewitty t1_ivzc8tx wrote

What happened to the free market? If costs go up so much, it will be cheaper to just pay for the dental work, and people won’t buy the insurance.

You do realize that they are required to spend 83% of the premiums on services right? Because if premiums go up, the paid for services just as well. You really don’t get this

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[deleted] t1_ivzf4d2 wrote

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MOGicantbewitty t1_ivzmiip wrote

Except that people won’t buy dental insurance that doesn’t make sense for them. And you can’t make a profit if you can’t sell a product. People who need more expensive work can buy the insurance but it won’t make them a profit

Weird how the same requirements have worked for health insurance… but won’t for dental? An unnecessary insurance?

If you can predict how this law will lead to unsustainable premium increases, can you show evidence of where it’s happened before? Peer reviewed studies… NOT just your words. Because you do keep saying the same thing but ignoring the fact that people will drop plans that don’t work for them, AND that it’s worked well for health insurance. Please provide evidence to support your assumed assertions. Otherwise it means nothing

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[deleted] t1_ivzpcwn wrote

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MOGicantbewitty t1_ivzre37 wrote

It’s funny how I provided evidence, but you won’t. Probably because the evidence supports that premiums will not go through the roof. we don’t need to wait a year to see what happens, there’s already data that shows what happens when we pass these kinds of laws. It’s also weird that you were completely interested in debating this point until I asked for evidence and provided some of my own. But it’s cool, you can wait a year to see that I was right

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[deleted] t1_ivzxxao wrote

[deleted]

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MOGicantbewitty t1_iw02bmh wrote

I think YOU didn’t read your link. It’s an opinion column. NOT a study. About what health insurance companies want… not about what happens. Lmao

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[deleted] t1_iw02lo1 wrote

[deleted]

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MOGicantbewitty t1_iw0365l wrote

Moving the goalpost there real nice.

I want peer reviewed studies showing that the 83% rule leads to unsustainable premium increases. Not an opinion column whose citations include showing the Medicaid costs went up after chiropractic services were added. You didn’t read it.

But go ahead, wait a year. Then come on back and show me how the dental plans in MA are worse. Even use the remind me! bot. Bc I’m done. You aren’t engaging in good faith and I’m bored. Bye!

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MOGicantbewitty t1_ivzrjc6 wrote

Did you see the other comment? I did provide evidence that shows regulations like these do not increase premiums. With graphs and reputable statistics and everything

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MOGicantbewitty t1_ivzrr2o wrote

Oh yeah, and that’s not why insurance works. Insurance works because insurers can negotiate lower rates for services on an individual can. So we pay premiums and they pay lower cost, that’s where their profit comes from. Not from people paying worthless insurance that they will never use

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MOGicantbewitty t1_ivzpows wrote

Here is an article for HR folks about increases in premiums.

Look at the graph based on Dept of Labor statistics showing the increases in total insurance costs. The premiums had a huge spike around 2000, and then dropped substantially and regularly after the ACA (Obamacare) was passed. Even now, premium increases are out paced by inflation. And that’s not considering the added costs to health care with an aging population. The Boomers are getting older and sicker. So, premiums HAVE GONE DOWN since the same law was instituted for health care. Why would it be different for a voluntary insurance that most people wouldn’t need if the premiums got higher than preventative care cost. Please… show me

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