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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 1 day ago* (last edited 1 day 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] 3 points 15 hours 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.