I have a rule of not commenting on non Healey topics but this one close to
my heart.
Why do people need dental insurance?
As I see it, the intension of insurance is to pay, or help pay, for abnormal
expenses which are beyond the means of the insured.
As I see it would be a very unusual dental expense that one could not afford
to pay. Might damage a budget a little to have a root canal or two, but that
is life. Dental damage caused by accidents is a different matter and is
perhaps a more reasonable idea to have insurance for that.
As I see it all that dental insurance does is make a lot of insurance
company's rich, keep a lot of insurance people employed and put up the costs
for everyone.
When it comes to insurance it seems to me that everyone has lost the plot!!!
End of rant.
Please forward all responses to www.statefarm.com
<http://www.statefarm.com/> .
Michael Salter
www.precisionsportscar.com
-----Original Message-----
From: owner-healeys@autox.team.net [mailto:owner-healeys@autox.team.net] On
Behalf Of Ron Davies
Sent: Thursday, May 18, 2006 4:36 PM
To: 'Heard'; 'Healey List'
Subject: RE: Non Healey-seeking opinions
My favorite is when the insurance company doesn't pay because the charges
are not 'reasonable and customary'. Then the doctors office wants me to
pay. Well...if the experts at the insurance company have decided that they
aren't 'reasonable or customary', why should I have to pay the difference???
------------------
Heard:
The "expert" at the insurance company is an 18 year old with NO medical
experience. Ask them what they mean and they'll tell you that they surveyed
x number of doctors in some small town as to what they were charging which
has no relationship to the city you are in. Then they decided "that" was
R&C. It is used to veil the fact that the patient is not paying enough
premium to get the service they think they deserve. It's amazing how so many
people "know" that insurance companies are out to screw everyone but when
it's their dental or medical insurance they miraculously become saints. R&C
is merely a way to con the patient into thinking the small benefit they
negotiated with their employer (for a small premium) was a good deal. In
insurance and car repair if you pay little, you get little. I often have
patients who pay the big premium and get 100% of my fee regardless of what
that is. That is insurance. Dental insurance has never been designed to
cover the full cost of care, merely supplement it. Don't get me going on why
medical insurance is sky high because then we get into illegal immigration.
Anyway, why would you want to go to a doctor whose skills were only
"reasonable and customary" ie average? Do you want the neurosurgeon that got
"C"s?
Not me.
Ron Davies
SoCal
|