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Old 11-29-2015, 07:25 PM
350 posts, read 292,262 times
Reputation: 389


Originally Posted by ncole1 View Post
Stop wishing you could game the system - it's precisely the idea of getting insurance when you need it, and then dropping it, that has led to a situation where dental plans don't cover much. How do you expect the companies to cover claims if no one wants to pay their premiums except for a month or two when they need expensive dental work done? Ins companies are not charities.

If you want charity (i.e. something for nothing or nearly so) your best bet is to find a dental school that will do it for a reduced price. If you find a dental charity event, be sure to get in line as soon as possible, even if you have to go at 5 AM and wait for many hours. To give one example of what can happen:


I don't read into jared's request that he is trying to game the system. Nowhere in his request did he say that he was going to 1) get insurance just to cover the cost of his extractions; 2) drop coverage as soon as this was done; and/or 3) he wasn't asking for charity that I could discern.

Have you ever heard of insurance companies cherry picking? A process of selecting healthly people to insure ensuring their profits remain high.
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Old 11-29-2015, 07:35 PM
1,552 posts, read 1,939,048 times
Reputation: 2379
"Gaming the system" refers to waiting until there is a problem and looking for someone else to pay for it, rather than plan ahead and save or have insurance. It's like putting on your seatbelt after the wreck. This exact behavior is why insurance companies have waiting periods. While the fine upstanding citizens of this forum would never stop paying their insurance premiums after services have been received, it happens all the time in the real world. Insurance rules are a response to prior experiences.
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