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For the first time in my life, I have hit my deductible AND reached my out-of-pocket maximum. I now have three months of actual free healthcare, which is unheard of in the US. What should I get done? (sh.itjust.works)

submitted 3 months ago* (last edited 3 months ago) by [email protected] to c/[email protected]

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Biologically male procedures only. EDIT: If the two people who downvoted this question could explain their reasoning, I would be super interested. No judgements. This is a safe space!

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[–] [email protected] 15 points 3 months ago* (last edited 3 months ago) (5 children)

Wait, what? You guys are paying all that for insurance and it doesn't always include dental? Like the main reason I wanted to be on health insurance here in Canada was for dental and prescriptions. I've been on some of the crappiest insurance plans here and they all include dental.

[–] [email protected] 16 points 3 months ago

Teeth are luxury bones.

[–] [email protected] 11 points 3 months ago

Health, vision, and dental are all separate in the US.

[–] [email protected] 4 points 3 months ago

It never counts dental😢. Dental industry is fighting like hell to stay separate. Our dentists want bigger cuts which is why they only cover 50%

[–] [email protected] 3 points 3 months ago

Dental and vision are never included in US health insurance and operate on a totally different confusing insurance framework. They're only available through separate plans and have their own deductables and terms. But unlike health insurance the premiums are generally orders of magnitude lower for both vision and dental.

The problem I've had is that the maximum benefit is typically in the range of $2k-$3k/yr for dental which is quickly hit if you have any oral surgery needs. Unlike with healthcare I don't feel ripped off when paying for dental/vision since the few hundred dollars per year covers preventative care visits too.

[–] [email protected] 1 points 3 months ago* (last edited 3 months ago)

Man I live in a country with socialized healthcare and we don't get dental either. Or vision.

There are private insurance providers who offer both. But they ONLY offer services to employers and I've never had a company offer such a benefit. Because you don't need luxury bones to work and any employer who makes you work with a screen is already forced to cover up to some sum every year or every few years (I don't remember) spent on glasses. And there's little point in all the other coverage because it's already free.

I'm this close to starting my own company so I could offer myself dental...