Health+dental insurance is mad expensive when you’re technically self employed
Discussion
Facts
Don’t get dental insurance. Max they will pay is generally $1500/yr with many exclusions. It is almost always cheaper to get a cash discount with your dentist or see if your dentist has a membership plan for cleanings.
Truth
I love you for sharing this on here. Your heart is so true. I’ve never had dental insurance my whole life, paid out of pocket or payment plans for big things.
I’ve been thinking about getting a membership but wasn’t sure, but now i will thanks to you 💜 thank you Susie
You are so welcome. We actually had patients who were paying more for their private pay dental insurance than they used each year in our office so we started the membership plan. A good dental office plan should be less expensive than you would pay cash for 2 cleaning + x-rays each year and will give you a % discount off all your dental work without pre-existing exclusions. Usually 15-20% off.
Bless you fr.
only ₿ is cheap 😉😜
CrowdHealth might be a less expensive option, kind of like an HSA but can keep a portion of it in Bitcoin
Never knew about this, thank you so much for the information. It’s much appreciated.
Of course! Have a great weekend! 🤙🏽⚡️
You beat me to it, Joe. Switched my fam to CrowdHealth two months ago. It’s still early, but so far, so good. Not having to deal with insurance company idiocy is a huge plus.
I love this place omg. thank you for sharing too Shawn
Of course. 🙏🏼 Happy to answer any questions.
Awesome! Curious to hear how you like it - have insurance through my current job but making a big switch soon so that may be a great option for us!
The bit that I’m sure you understand that I didn’t very well is just how much negotiation is possible for “cash”/self-pay payments, which CrowdHealth does for you. They claim 60-70% markdown, on average.
I think this is a really intresting idea. But struggle to see how it scales to those with on going medical costs. I hope it does.
It’s not for everyone, no doubt. Any existing/ongoing/chronic conditions are excluded for two years.
Right at the end of the day insurance is healthy people pay for sick people and you could debate kf that's fair or not. So when you put the healthy people in their own pool it all works well for them and leaves sick people with medical debt.
So if the argument is it's not healthys peoples job to pay for the sick then fine. Just not really a system I wanna be a part of.
But like I said I hope to be proven wrong. I think what there doing have great potential to cut out all the waste full middle men and dramatically reduce costs. And then maybe at that point the medical cost issue goes away.
It’s a complicated matter. No question that CrowdHealth is built to reward people who take their well-being seriously and to not take on the burden of those who don’t.
I think that argument is okay for health conditions that are in your control, obesity, smoking etc. But it falls apart for conditions that are 100% out of ones control. maybe you can classify and treat those two cases differently within a system like crowd health.
Moreover, if the money was completely broken, and the “healthcare” system, as a result, the costs wouldn’t be so catastrophic.
Great points! I think one benefit will be cutting out the middle man so docs will be more open to taking it/providing a discount instead of dealing with the mountains of paper work in hopes insurance companies, who continue to squeeze docs, reimburse them at some point several months down the line. Don’t have to charge more to have people battle the incredible admin and billing process. More peer to peer, transparency, etc. We will see! The more I can care for patients and the less I have to fight for shrinking reimbursements the better!
