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Quirky_Butterfly_946 t1_iqs8bkk wrote

In order to find out, you should maybe look into what the No voters, dental insurers are saying about this. Usually you can see what their fears are by checking them out. I personally would vote yes.

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fourfivesausages OP t1_iqs9m8c wrote

They are saying it’ll result in higher premiums in less choice/access. I can see higher premiums being a result, but don’t see why less choice/access. Even for the premium increase, I don’t think it’ll outweigh the benefits of this measure

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Quirky_Butterfly_946 t1_iqtgzsp wrote

If I understand what Q2 is saying, people who do not use their insurance get a rebate on what they have paid. Where the insurer would only get to keep the amount of administration fees.

Now I don't know what other people are getting for dental insurance, but my experience has been I pay say $900/yr and my coverage is $1200. Any more price increases, is going to make having insurance unnecessary as what you pay in will be the same as what they cover. Dental insurance is really quite lame anyways and is far to small coverage for anything besides cleanings and maybe 1 filling.

Makes you wonder how much money they make from people who do not use it. Frankly, dental insurance should be included in health insurance and covered for whatever you need to be done.

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vartanarsen t1_iqty4g0 wrote

Agreed , root canals for 2k and now you’re screwed

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rinic t1_iqwin64 wrote

And another 2-3k for the crown.

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vartanarsen t1_iqwnmkn wrote

Honestly root canals need to be reclassified into basic medical treatment, it’s not cosmetic or looks, the patients are in agonizing pain

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