2
billgates
14d

!dev Nice surprise... Hopefully...

Been having a lot of teeth problems and need like 2 crowns and 1 filling now... Old fillings just suddenly fell out. My regular dentist plan is ok for cleaning but isn't so good for these expensive treatments. And it seems the dentists in network are sorta so-so... The original fillings were done by them like last year....

Well somehow it popped up into my mind that with COVID.... Given its a health crisis and the govt is bending over backwards to deal with it... it may also let me change insurance plans during the year.

Usually enrollment is once a yr until you change jobs... But when I googled I saw that apparently they did.... Though it's upto the employer and the insurance company. They have to negotiate and allow it. Not required to by law.

So anyway last week, I called up my HR asking if they allow it. The rep said they'd need to ask higher up and get back to me this Monday.

I never got a call though but today I took off to deal with all the health stuff and just take a personal day. So I called my "current" dentist insurance to ask what I needed to do to see a specialist for the root canal crown as regular dentist can't do this one.

But they couldn't find my policy because it turned out it was cancelled last week. At this point I'm likeOK WHO FUCKED UP... WHAT THE BLOODY FUCK... IM UNINSURED NOW?!!!

I login to the company benefits site to get their support #. But it also shows my current plans. Where it shows that it got switched.

I still had to call the new insurance to get my ID info...

But I'm like hm... This seems to have worked out well... Assuming everything goes as planned. Basically got 1/2 year on cheap normal coverage but now that I need it, got to switch to the more expensive coverage, which now comes out better: lower overall costs, and better drs...

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  • 2
    Yep. Though dental insurance is a scam in the US. Dentists and doctors had a pissing match more than a hundred years ago, so dentistry was classified as a profession not associated with physical health and medicine was something else entirely. They're now both making bank on the setup, so they're more than happy to fuck you and I.

    We need to gut the whole system and tell them all to get real.

    https://mkdmd.com/dentists-arent-do...
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