Quote:
Originally Posted by underscore
If you get it through work you're still paying for it, you're just paying for someone at your company to manage the account and for a bunch of useless people at the insurance company too.
I'm sure someone has an actual statistic on how many people are covered and how much but for about a decade my wife and I had no coverage because we worked for small companies. Eventually my job got benefits that covered about 50% but the whole package cost about $3300/employee/yr. The benefits were "saving" me about $500/yr but the coverage was paid for out of the profit sharing so my take home was less than it was with no benefits.
At my current gig the coverage costs about $5k/yr which basically maxes out everything up here but doesn't get my American colleagues much. Personally I'd rather just get paid an extra $5k/yr and have my taxes go up a smidge so that teeth aren't considered special mouth bones that you have to pay to be able to keep.
It sounds like that's what he did to be able to get what they currently have. Are you thinking he has the leverage to get more?
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Your examples are really just examples of any insurance though.
Of course you’d rather just get paid more upfront, but when you need an unexpected crown etc. you could eat up the majority of your coverage in one claim.
Most people who have good benefits don’t even use them, so you’re completely right in wanting the money up front. The irony is though that so many of these people who never use any of their benefits, even basic dental cleanings etc. always seem to be the ones who tout how great their jobs are BECAUSE they have these great benefits lol
To add to Mike’s point, it looks like anyone who has a govt. pension in retirement also has access to dental coverage through that regardless of their income from said pension. So yea.. propping up private insurance companies while not really helping anyone.. surprise surprise