Dental Insurance Sucks!

The Obama administration coned Americans into the affordable health care act. Not only is this a scam but worthless insurance. The problem with healthcare in the US, is not your healthcare insurance but the way the healthcare industry is except anti-trust standards. Businesses in the US including insurance company have to deal with antitrust legislation with the exception of the healthcare industry. Antitrust laws are in place to encourage competition and avoid set prices or price fixing.

If you did not know 98% of all dental policies expire on December 31. This is a fact that my Miami dentist brought to my attention. The way it works is quite confusing and obviously written by lawyers for the sole purpose to scam all of us who are not attorneys.

These insurance laws are so complicated that not even my former dentist in Pembroke Pines could give me a definitive answer as to what was cover, what was not cover, and what my deductibles was. It is for this reason that when you go to the dentist they often do an assessment and then take two or three days to get back to you with what is cover and not cover. Basically what happens here is that an invoice or what many of us in business world know as "a pro forma invoice" is generated and submitted to the insurance company. It is the person at the insurance companies who make the final choice as to what to cover and not to cover.

Talking to a personal injuryattorney in Boca Raton, Florida who deals with this nonsense on a daily basis is when I realized that inefficiency of our healthcare system and why healthcare in general is so expensive in the US.

Be warned, that if you have dental health insurance and you need any type of dental work done, you need to verify that your benefits do not expire at the end of the year. Almost all dental insurance policies have a limit of how much they cover. If your insurance policy resets at the end of the year all the unused benefits will be kept by the insurance company. Note, that these are benefits you pay for! For many like me these benefits can be several thousands of dollars. It is for this reason that I have started going to a dentist in Plantation, Florida that is closer to my job rather than the one that is closer to my house. The truth is that we don't need a socialist mandate forcing us to have insurance what we need to work on is making health insurance more affordable so that people can afford it!