this post was submitted on 21 Sep 2024
466 points (95.7% liked)
Asklemmy
43885 readers
2141 users here now
A loosely moderated place to ask open-ended questions
Search asklemmy π
If your post meets the following criteria, it's welcome here!
- Open-ended question
- Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
- Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
- Not ad nauseam inducing: please make sure it is a question that would be new to most members
- An actual topic of discussion
Looking for support?
Looking for a community?
- Lemmyverse: community search
- sub.rehab: maps old subreddits to fediverse options, marks official as such
- !lemmy411@lemmy.ca: a community for finding communities
~Icon~ ~by~ ~@Double_A@discuss.tchncs.de~
founded 5 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
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.
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.
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.
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 itβs tax free.