For the first time in my life, I have hit my deductible AND reached my out-of-pocket maximum. I now have three months of actual free healthcare, which is unheard of in the US. What should I get done? - eviltoast

Biologically male procedures only. EDIT: If the two people who downvoted this question could explain their reasoning, I would be super interested. No judgements. This is a safe space!

      • folekaule@lemmy.world
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        3 months ago

        For those not in the US: it may be covered, but normally it’s a separate insurance plan and not covered by your regular health insurance.

        It also varies what type of “dental” care. Some mouth/gum surgeries may be covered by the health plan. I think most dental plans cover checkups. All this varies wildly with your employer and insurance election, though.

      • foggy@lemmy.world
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        3 months ago

        Yes here in America we operate healthcare with the knowledge that your teeth and eyes are not a part of your body.

      • ByteOnBikes@slrpnk.net
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        3 months ago

        Was just going to point this out too. It’s so stupid.

        I’ve also done the math on dental insurance vs out of pocket and a few times, out of pocket was significantly cheaper than the service + insurance.

        • xthexder@l.sw0.com
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          3 months ago

          I’ve done the same math recently and decided it would be cheaper just to pay myself and keep a bit of savings around for anything extra. I could not find a plan that would pay out more than $2k in a year, and that’s not even a month of rent some places.

          • IMongoose@lemmy.world
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            3 months ago

            It was a very sad day when I learned that my dental insurance is a reverse deductible. Like you said, they only pay out $2k a year then it’s all out of pocket. Actually so stupid.

          • DominusOfMegadeus@sh.itjust.worksOP
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            3 months ago

            With your plan I would suggest putting your savings into an HSA or FSA, if you have either of those available to you. At least then it’s tax free.

      • Rhaedas@fedia.io
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        3 months ago

        Clearly it’s not a medical thing. I’d love to find out when that racket started, and who got rich from it.

      • Gerudo@lemm.ee
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        3 months ago

        Nope, same with eyes. Dental and eye health are separate insurance in the good ol US