Costed insurance 28 thousand dollars for a procedure that normally costs a couple hundred at most (tooth pull).
Would a doctor do a tooth pull, or a dentist? I don’t think it’s a reasonable expectation to expect a doctor to pull a tooth, but instead a dentist would do so.
Also, one thing you have to realize is that they don’t look at the cost just at the atomic per incident level, but they look at it through the whole life of the customer/patient.
They play the odds, and they do literal risk management, when deciding how to spend money and when to spend money, specially for big money spending like operations.
So in your case it might have been a matter of a risk management decision, of the odds of you getting better without having to have the tooth pulled and spending the money to do so would be good, but you just got unlucky.
Would a doctor do a tooth pull, or a dentist? I don’t think it’s a reasonable expectation to expect a doctor to pull a tooth, but instead a dentist would do so.
Also, one thing you have to realize is that they don’t look at the cost just at the atomic per incident level, but they look at it through the whole life of the customer/patient.
They play the odds, and they do literal risk management, when deciding how to spend money and when to spend money, specially for big money spending like operations.
So in your case it might have been a matter of a risk management decision, of the odds of you getting better without having to have the tooth pulled and spending the money to do so would be good, but you just got unlucky.