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Same with teeth.
Sure, I can live without them but everything becomes harder and worse and there's an awful period where you could probably die from the infections as many people used to.
But those are luxury bones covered by other, separate insurance, as though it is not related to my health.
100%. The majority of my health concerns at the moment are my teeth, and because dental is separate, I’m spending a lot more out of pocket because the maximum coverage is so much lower.
It's also a fucking rip off. I supposedly have "good" insurance options and the premiums for a family of 3 are almost $1k a year, only cover up to $2k yearly of work, and requires 40 - 65% coinsurance depending on the type of work.
So if I spend less than $2k on dental work, I lose money buying dental. The max benefit I get is from $4k of dental, and any work beyond that just makes the situation even less attractive.
Every dental plan I've ever had (and they are considered good) was just my money pretax. No actual insurance. So, use it or lose it. I've already paid for it.