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Thanks for pointing out this oft misunderstood concept, Neal! It is ESPECIALLY true with respect to dental care. How can you insure against something that has a 100% chance of happening? "Insurance" for 2 check-ups/cleanings per year is a good example. What most call "insurance" is actually a convoluted payment plan in which we pay premiums to an insurance company and then they ration our money back to us in the form of "benefits" subject to all kinds of exclusions and restrictions. Like ToothDoc, I find it perplexing that some people don't hesitate to get their hair or nails done regularly without "insurance"...but find it impossible to get a checkup if they don't have insurance even though the costs are comparable.
By DrDanDDS

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