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A comment on Hospitals lift curtain on prices, revealing giant swings in pricing by procedure. Parent comment

Re:Hospitals lift curtain on prices, revealing giant swings ... by kube-system on Wednesday September 22, 2021 @03:03PM (#28620346)
Just take all of the money you'd otherwise spend on dental care and put it into a savings account or FSA.

I've never seen a dental insurance plan that actually makes financial sense. Most of them place significant limits on expensive and unlikely care, and cover routine care with little or no cost sharing. Insurance is a highly inefficient way to pay for expected expenses.

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Re:Hospitals lift curtain on prices, revealing giant swings ... by lotsofpulp on Wednesday September 22, 2021 @03:10PM (#28620431)
Dental insurance via employer is mostly just a way to pay for dental healthcare via pre tax dollars.
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Re:Hospitals lift curtain on prices, revealing giant swings ... by kube-system on Wednesday September 22, 2021 @03:29PM (#28620688)
And FSAs do that without the insurance company overhead.
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Re:Hospitals lift curtain on prices, revealing giant swings ... by lotsofpulp on Wednesday September 22, 2021 @04:02PM (#28621093)
Yes, the only downside I can think of is if you have an HSA (which anyone that can afford max out of pocket limit should), then you generally cannot have FSAs also unless they are Limited Purpose FSAs and then it gets too complicated for my tastes. I generally do not like the concept of FSAs period, being employer owned, and having to use up funds by the end of the year and all.
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Re:Hospitals lift curtain on prices, revealing giant swings ... by kube-system on Wednesday September 22, 2021 @04:13PM (#28621163)
Agreed. I only put money in an FSA that I know I am going to use. But for my routine cleanings/xrays/etc, this is pretty easy to calculate.
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