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GW Potter
Agree completely. This is why "Dental Insurance" has nothing to do with has to do with household cash flow management.

With true insurance, you give up a known small loss (premiums +deductibles) in exchange for avoidance of a catestrophic financial loss. The potential catestrophic loss must be random and unpredictable to the insured. This is how life, property and most important, casualty insurance works. "Dental insurance" has nothing to do with this. Dental loss coverage is limited to an out of pocket max and loss is cost shared to the maximum coverage dollar. This has nothing to do with true insurance and explains why you cannot, over time, receive more in financial benefits than you pay in premiums + deductibles.

The real benefit of "dental insurance" is incentivizing policy holders to get into the dentist's chair on a regular schedule.

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