Tabaluga's 2.0

Fingers crossed @TAB !

@ENKELI hello, lovely ❤️ I have extras insurance for dental but found it hardly covers anything. You only get a small amount back.

I was reading something from a financial advisor in the USA who recommended something called Dental Plans in her country. They offer a heavy discount off the price if you need more serious work done. Its more generous than extras. So if you are facing high costs Dental Plans can make a huge difference as its at a highly discounted rate so if you need a root canal you can get hundreds off instead of the meagre amount offered by extras

We have a Dental Plan company here in Australia called https://www.smile.com.au/ Theres no wait or exclusions. I signed up several years ago and combine it with my extras so I get more off the cost. Its given me peace of mind.

@StuF hey StuF glad you're okay. Chilling here as well. Try to forget the stress stuff ha

@ENKELI read this its all about Dental Plans

https://saneforums.org/t5/Recovery-Club/Budgeting-Page/m-p/1422606/highlight/true#M101896

Ha yeah @StuF 😆

Running out of things to cross @TAB !

Haha thanks @StuF 😊

@TAB okay here I disagree. If I am paying a premium I expect that I will be seen before someone who is relying on the public health system unless that persons' ailment is more severe. Why should I have to wait in line next to someone who's chosen not to pay for that service?

My ex's mother complained about this same thing as a public patient. The woman was wealthy so she didn't have a reason not to pay for health cover yet she complained at the "sub par" service she received as a public patient. Her idea of sub par was having to share a room with 3 other patients.

Guess we'll have to agree to disagree with this one 🙂

• Subsidies Debate: Critics argue government rebates for PHI could be better spent directly on the public system, questioning if it truly reduces pressure.
• Inefficiency & Cost: Some argue private care is more expensive without necessarily being better, merely re-shuffling resources and staff rather than creating new capacity.
• Rising Costs/Value: Premiums have outpaced income growth, leading to questions about affordability and whether it provides expected value.
• Gap Payments: Despite paying premiums, patients often face high out-of-pocket "gap" payments.
  

  Monash University +5

@SmilingGecko yes I've researched Smile and was considering it myself, but my dental centre is not a participant.

My concern is that with highly subsidised dental like the one you mention is who ends up footing the bill? Usually it's tax payers and I am in no hurry to have to pay more taxes.

What needs to happen is the government needs to regulate the cost of dental work. One place I went to quoted me $5000 for work needed, I went back to my own dentist and they quoted me $3000.

Of course the current government certainly won't look into it, the health system is a shambles and they couldn't give a crap. Too busy puffing out their chests and patting themselves on their backs!