What frosts me is because I pay by check (bank next door, they can clear it immediately if they want) on the day of the visit. Even though I cost them NOTHING in billing and filing expenses and they don’t have to wait for my payment, they charge me more!
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Maybe it would cost you less to get the cheapest insurance just so you can get the insurance prices.
If I get their dental insurance (or anyone’s), they control what services I get, and how often I get them.