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Many people wonder why dental insurance does not cover some procedures or why plans have low spending caps. In a recent article published by the Huffington Post, New York cosmetic dentist Thomas Connelly offered his perspective on what some of his patients call "lousy" insurance.
He explained to the news provider that the main reason organizations impose spending limitations on oral care is because dental insurance does not generate a profit. Connelly said that these companies first began to offer dental coverage in the 1960s, with benefits set at $1,000. However, the expert told the news source that spending caps are still set at this amount.
"In plain terms, dental insurance almost always gets used, oftentimes, right up to the max. This is not so with other types of insurance. In fact, the entire profit model of insurance is based on a certain percentage of people not using it," Connelly told the Post.
Despite some complaints about dental insurance, many people think that having a little coverage is better than none.
According to the Centers for Disease Control and Prevention, a total of 45 million Americans have health insurance that does not cover dental expenses.
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