Despite common belief, dental insurance is not actually insurance because it doesn't protect patients from catastrophic financial risk. It functions as a pre-paid discount plan or an annual benefit allowance with strict caps.
The good news is that many dentists are now creating annual tiered plans which include the basic xrays, 2 exams/cleanings, 1 emergency visit (completely covered!!) and 20% off anything that exceeds that.
You know, what insurance companies are supposed to do. 🤨

These are also a form of direct primary care agreements (also known as direct dental care, in-office dental plans, or dental membership savings plans), and are designed for patients without insurance, or for those seeking an alternative to traditional insurance. It allows patients immediate access to care with no waiting periods or annual maximums that limit total benefits. We know that traditional dental insurance plans will have you paying thousands, just for the privilege of having to pay hundreds for your care. It's bullshit. If you can find a dental office with a direct primary care agreement, GRAB IT. They're worth their weight in gold.
https://rising.dental/what-is-direct-dental-care/
#dentalcare #dentalinsurance #directprimarycare #healthcare #insuranceisascam

Geico: Zero Stars

https://fed.brid.gy/r/https://gregorlove.com/2023/12/geico-zero-stars/

Insurance is demanding prior auth for Trulicity. Kinda shows this is going through an automated system since a doctor reviewing this would see it’s justified.

For me, it’s just more delays getting access to a drug I actually need.

We are still not even to the part where we learn if they can even send the drug.

#Diabetes #T2D #Trulicity #GLP1RA #PriorAuthorization #InsuranceIsAScam #Shortage

Is this ChatGPT:

“This request was denied because you did not meet the following clinical requirements.

“The requested medication and/or diagnosis are not a covered benefit and excluded from coverage in accordance with the terms and conditions of your plan benefit. Therefore, the request has been administratively denied.

“The requested medication and/or diagnosis are not a covered benefit and are excluded from coverage in accordance with the terms and conditions of your plan benefit. Therefore, this request has been administratively denied.

“The reason(s) Optum Rx did not approve this medication can be found above. This denial is based on our Daytrana drug coverage policy, in addition to any supplementary information you or your prescriber may have submitted.”

This is an exact quote from a letter we received today, including the almost exactly repeated middle paragraphs. Nothing within the passage has been omitted.

There really is no there there.

#InsuranceIsAScam
#CapitalismIsEvil
#ChatGPTDanger