Doctor simply explains how dental insurance works and benefit more people: 'Science of coupons'

Healthcare continues to be confusing for most people in the United States. It gets even more complicated for specialized care such as dental, which most people don't know how to navigate. Fortunately, Dr. Brady Smith—who goes by @drbradysmith on TikTok—a dental hygienist who also happens to be a content creator shared a helpful video explaining how dental insurance works.

The man does not waste any time and immediately begins explaining how dental insurance works at the beginning of the video. According to him, most dental insurance plans worked like a coupon. If one had a solid understanding of how coupons worked, then one would not face any difficulty understanding how dental insurance also worked. He explains, "The reason it's confusing is because it doesn't work like medical insurance works."

For every dental procedure that people underwent, there would be a certain percentage of the cost that would be taken up by the insurance company. From 50% coverage, all the way to 100%, people would be handing their dentists or hygienists a coupon that deducted some amount of the price for them. The man gets distracted a bit, trying to figure out the actual pronunciation of the word "coupon."

He comes back to his explanation by providing an example. The man says, "Say I have $2,000 of benefits for the year; my dental insurance says so." Even though the number seems huge, people should not think they would instantly be covered for procedures. For instance, if one were to go in to get a crown, they would have to pay 50% of $1000. The rest of the cost is undertaken by the insurance provider.

What this would also mean is that people only end up using $500 out of their total of $2000. So, people would still have a remaining amount of $1500 in their plans, so long as it was part of the coupon system. People found the video very useful and put down their thoughts in the comments section. @mommaslost commented, "The dental insurance I have with my employer is crazy good. No deductible covers everything 100%, no maximum yearly limit and lifetime max is $100K."

Insurance, in general, is often unnecessarily complicated. However, it has become a necessity in the modern world because of the high prices of fixing things. Insurance companies often take advantage of people's helplessness and tend to make the process complicated when someone tries to claim insurance. Reddit user u/No_Builder7010 had a very intriguing story to share about teaching a troublesome insurance agent a lesson when he accused them and their husband of lying when they claimed insurance for their boat. The couple had bought a boat to repair and sell for a higher price.

Unfortunately, their rat trap guy ended up damaging a certain part of it, which they caught on camera. When they asked him about it, he confessed and said that he did not want to go through insurance. The couple decided to go easy on him and looked at ways they could repair the damage without it costing too much by buying used gear locally. They came up with an estimate and sent it to the guy who then wanted to claim insurance. They got in contact with an insurance agent who said that he could not disburse funds if they could not provide proper bills from a store.

The couple decided to maliciously comply and went to the local boatyard for a quote, which significantly increased the price. The insurance agent continued to be difficult and said that he required a letterhead on the quote. So, the couple went ahead and contacted the two most expensive boatyards to get a quote, which massively increased the prices and the agent ended up begging them to go back to the first quote they gave. But they didn't want to let him get away with it, so they ended up getting a check for $14,000 towards the end.