If my dental insurance has 100% coinsurance on preventative and basic care, 70% coinsurance on major care, a deductible of $50, and a maximum payout of $2000, does that mean I can only spend the insurance $ on major services and pay out of pocket for everything else?
Even with “good” dental insurance all you get is your $2000 that you pay in is exactly what they pay out. It’s tax free and sometimes there is a negotiated discount.