Asklemmy

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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? (self.asklemmy)

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

177 comments fedilink hide all child comments

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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[–] Reverendender 115 points 3 months ago* (last edited 3 months ago) (4 children)

Teeth are not covered by health insurance in the U.S. (I know. We all know)

[–] [email protected] 14 points 3 months ago

For those not in the US: it may be covered, but normally it's a separate insurance plan and not covered by your regular health insurance.

It also varies what type of "dental" care. Some mouth/gum surgeries may be covered by the health plan. I think most dental plans cover checkups. All this varies wildly with your employer and insurance election, though.

[–] [email protected] 12 points 3 months ago

Yes here in America we operate healthcare with the knowledge that your teeth and eyes are not a part of your body.

[–] [email protected] 4 points 3 months ago (1 children)

Was just going to point this out too. It's so stupid.

I've also done the math on dental insurance vs out of pocket and a few times, out of pocket was significantly cheaper than the service + insurance.

[–] [email protected] 1 points 3 months ago* (last edited 3 months ago) (2 children)

I've done the same math recently and decided it would be cheaper just to pay myself and keep a bit of savings around for anything extra. I could not find a plan that would pay out more than $2k in a year, and that's not even a month of rent some places.

[–] [email protected] 2 points 3 months ago

It was a very sad day when I learned that my dental insurance is a reverse deductible. Like you said, they only pay out $2k a year then it's all out of pocket. Actually so stupid.

[–] Reverendender 1 points 3 months ago

With your plan I would suggest putting your savings into an HSA or FSA, if you have either of those available to you. At least then it’s tax free.

[–] [email protected] 1 points 3 months ago

Clearly it's not a medical thing. I'd love to find out when that racket started, and who got rich from it.