“I’m also sorry to hear about your hardship.”
So now that you see the devastating effects that the ACA had and continues to have on millions of hard working families, who were struggling beforehand to pay for their own healthcare, do you still think it was the right decision?
“We should not be discussing the ACA.”
Technically this discussion is about Dental care so you are correct but it would be foolish to not learn from the mistakes of the ACA.
“We are discussing basics of government’s responsibility to ensure that Americans do not need to travel to Hungary in order to get dental care because insurance is too expensive, does not cover everything and the premiums are through the roof.
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The governments responsibility needs to stop somewhere already. The government should be in the business of building infrastructure for everyone, showing citizens at a young age how to be responsible for themselves later on and being there for those who physically or mentally can not take care of themselves as well as those who are temporarily down on their luck.
I explained earlier what the problem is with dental insurance. Insurance companies are a business that makes money by calculating risk and charging a premium to take the on the risk. The nature of dental claims is that large claims can sometimes be pushed off until the insured temporarily purchases a higher level of coverage. This behavior changes the “risk” into a “known” and the insurance company needs to raise the premiums through the roof and only cover part of the claim.
Let’s say drivers could look into a crystal ball to see if they’re going to be at fault for an accident for the upcoming year and only purchase insurance if they’re going to need it. Do you see why the insurer would need to dramatically raise the premiums and cut down on coverage in those cases?
As far as why the Hungarian dentists are so much cheaper- maybe the standard of living is less in Hungary so they could afford to charge less, maybe education is cheaper since they’re only paying for their education and not for all those people who took out loans for $400,000 to get a degree in gender studies and have no plans on paying it back or maybe they don’t have to spend enormous amounts on malpractice insurance as the population there isn’t so trigger happy to sue.
Ask your dentist next time you go.