Health Insurance: Ezra Klein Fights with Delta Dental
Health insurance in America today:
Ezra Klein: Delta Dental's Terrible Coverage: Delta Dental is currently arguing that my root canal -- done at an in-network dentist -- does not merit much in the way of reimbursement, and is telling me that my share of the procedure comes out to around $2,000. A procedure, mind you, that's already been done, and that appeared to be fully covered. A procedure, too, that was by all accounts medically necessary. This is what you get when your insurer makes its money by not paying for your claims. I'm pretty sure that this will eventually be covered, but not without a lot of hassle and argument, all of which is designed to convince me that it's not worth the trouble and I should just fork over the cash, which would then count as pure profit for them.
This is how they earn money, people. This is how it works.
Ration-by-hassle, and charge-by-hassle.