I had to get a root canal the other day. The dentist had to wait to see if my insurance would cover it because I had recently had a different root canal and “they sometimes don’t pay for more than one.”
I know this isn’t dental related, but I couldn’t see a therapist and a psychiatrist in the same day (virtually) because insurance wouldn’t cover that.
I’ve been putting off having two root canals/fillings/caps for years because I don’t feel like spending thousands on it, in case they don’t cover it. I know I should get this done before people tell me horror stories…again.
I remember going to the dentist in my 20s, he said that a root was inflamed and needed treatment immediatly, otherwise the root could die and so on and so on. Then he told me how much it would cost, since the insurance doesn’t cover that treatment, it was about 1800 euros. I asked him in all seriousness if my insurance would pay if I just would let things happen and get my tooth pulled out afterwards one day, since 1800 Euro was waaay to much for me to pay those days - and still is.
They had to clamp down, since so many people were getting root canals for shits and giggles. /s
You ain’t need but the one toof ya fancy sum bitch.
I’m actually surprised this memes instance is actually funny. Yeah i come from red**t
i feel so bad for my US brothers i cant even crack a joke about being too european or something
FYI this post is mostly BS.
70 percent of people in the EU own homes. In the US it’s 65 percent.
While it is lower among millennials, especially compared to Boomers at their age, the majority of them still own homes. While I don’t have stats on Gen Z, the oldest among them is 25.
Almost all dental issues can be avoided with preventative measures. Virtually every single white collar job offers dental. Some blue collar jobs do. If your job does not offer dental, it’s available on the ACA exchange for like $20/month.
Again, despite what reddit would have you believe about us all being paid poverty wages, the vast majority of Americans can afford dental.
Finally, I don’t understand why reddit sees the fact that Boomers got married and had kids at like 21 on the late end a good thing. Basically everyone acknowledges marrying young is absolutely idiotic most of the time. Even more people acknowledge that having kids is a dumb idea. Boomers were forced into that. There’s a huge reason a ton of Boomer Humor is about hating your spouse.
Also at this point someone with Boomer parents is in their thirties or forties. Someone with Boomer parents who came of age when the economy was amazing and houses were dirt cheap is 50+. If you can’t afford dental at that age, you’ve fucked up big-time somewhere along the way.
Yo, it’s not Reddit
Almost all dental issues can be avoided with preventative measures. Virtually every single white collar job offers dental. Some blue collar jobs do. If your job does not offer dental, it’s available on the ACA exchange for like $20/month.
The problem is is that insurance is a scam, you pay out the ass monthly for something you may need to use at some point in the future, and even then they’re like “we may cover the cost of this later on, but first you have to pay $500 (the deductible) until it comes to the point…”
You know I’m starting to realize why so many people in this thread have dental issues.
Go to the dentist, even if your teeth are currently fine.
Yeah, just to sit there in the waiting room for 2 hours, have them brush your teeth for you, and be like “yeah, everything looks good. come back in six months!”. I can brush my own teeth, thanks.
“Everything looks good, come back in 6 months.”
(6 months later)
“Looks like you need 2 root canals and a crown.”
The point of insurance is supposed to be cover surprises because everyone eventually has a few. Typical dental coverage nowadays isn’t really insurance at all, it’s a payment plan. I literally opted out of insurance in a year where I expected I needed dental work and it saved me money.
…how old are you?
37
Exactly! I take fastidious care of my teeth - I’ve only ever had 1 cavity 10 years ago - but recently I broke the filling and the dentist said it has to be a crown. I have dental insurance that covers two cleanings per year and just like u said, I still had to pay $500 for the crown. That was a big setback.
You know dental has limits right? You’ll typically run up or blow by them after your first filling.
Yes. However, the vast majority of dental issues can be solved by regular dentist appointments.
In addition, I’m pretty sure people are straight up making up stuff. Spending $700 before you break even on dental insurance is straight up fiction.
I openly question how many people in their 30s (or late 20s) are in this thread. A lot of this narrative simply isn’t true for most people that age.
Also OPs parents were boomers who had children in their 30s they were most likely more affluent than average boomers
In addition, I’m pretty sure people are straight up making up stuff. Spending $700 before you break even on dental insurance is straight up fiction.
My last two companies, the dental plan was $50/mo (or a total of $600/yr). Other than having only a $25 copay for cleaning, it was between 10% and 20% coinsure with a $1000 limit.
That means optimistically, I needed to spend about $2500 to break even on the most optimistic coinsure, and my benefits disappeared after I spent $5000 (and only would cost the insurance company $400 if I spent every penny).
I literally mathed it out in a year I needed 2 root canals and it would have been cheaper to NOT have the plan. And that was before I discovered the fact my office had special “uninsured assistance” that wasn’t driven by income.
Many Dental plans are an absolute scam. Part of the problem on them is that most people in some areas ONLY get dental insurance if they know they’re going to need it. Makes it hard to have a price that works. It’s part of why I have always supported government-paid insurance for medical and dental issues.
Okay so if you’re actually not lying, then opt out of your insurance plan and buy a delta dental plan via their exchange or the website. It’s quite literally half the cost and comes with free preventative services.
I kinda thought I’d stop hearing the constant bad-faith accusations when I left reddit. I suppose not.
Just went to the Delta site and checked my state. The ONLY plan in my state they have that covers non-trivial work is $60/mo with a maximum coverage of $1000. The 80% (I know Delta employees… no dentist I would use is in their network) coverage after copay is nice, but you’re still paying $700+ out of pocket for a potential $1000 total coverage. And unless you think I’m lying about the “Uninsured discount”, it means if my dentist gives me a $300 discount on work for being uninsured (they do), I still end up ahead.
So thank you for implying I’m lying and then giving me the directions to prove my point.
How good is this $20 dental insurance? I work for a place with decent benefits and with coinsurance, co-pays and the cost we would have to have $700 worth of dental work a year just to break even. $1,000 worth of work would save us $180 vs out of pocket… and it’s capped at $1k.
Dental insurance usually comes with 2 teeth cleanings a year, and one set of xrays. These are 100 percent covered.
This layout is the more or less standard delta dental PPO. It’s used by the vast majority of employers across the country.
Employers also get group discounts, so it’s usually something like $10. The total cost is $120 a year if you don’t need dental work.
You have one of the worst dental plans possible.
A majority definitely don’t. The stats I’m seeing put it at around 45% for millennials, and under 35 it’s just under 40%
Take it up with the US Government.
Thanks for the citation - 52% is just barely a majority, but technically correct!
So uh, the rest of the article vibes pretty strongly with the OP. Millennials are worse off than their parents
The meme said that their parents in their thirties were buying homes, and they can’t even afford dental.
The majority of millennials have bought homes.
More importantly, the overwhelming people in the US can afford dental.
You guys make up scenarios to push BS narratives. Then spam the word “capitalism” ignoring the fact that the majority of the world runs under capitalism.
If OP can’t afford a house or dental then the meme is accurate to them and millions like them. Dental insurance isn’t guaranteed, after all. Capitalism requires winners and losers, and losers don’t get houses or dental insurance.
Like, my dude, there are Americans that can’t afford to take $20 off every paycheck (and that shit only covers cleanings, hope you don’t get a chipped tooth!)
Seriously, it’s just a big strawman argument. The idea that a certain percentage of people own homes says nothing about the affordability of said homes. The percentage of millenials that own homes are consistently using drastically higher percentages of their income than previous generations. And the Healthcare crisis in the US speaks for itself. People arguing against this just want to dance around the topic and not actually argue the real point.
Okay, first you need a civics lessons. Capitalism isn’t a governmental system, it’s an economic system.
This economic system is widely used across the world. This includes most of Europe. Acting like this is just an invitable part of capitalism ignores the fact that the government can pass laws to create a social safety net.
They did. People living at or slightly above the poverty line have dental coverage through Medicaid. People with income above that threshold and no not have dental offered by their job have access to subsidies through the ACA.
Are there people who can’t afford dental? Sure. America is a massive country. However acting like it’s in any way common is insane.
Okay, the fact that Lemmy (which owes it’s popularity to the fact that reddit killed third party apps) thinks this is ridiculous.
I can’t wait for Lemmy apps to come out that let me ban keywords. I swear you people invent scenarios to rage over.
70 percent of people in the EU own homes. In the US it’s 65 percent.
how many people own a home is not a measure of anything…
Yes it is? It’s a measure of how many people were able to purchase a home.
This is directly relevant to this post, which say that modern day Americans can’t dental insurance, much less homes.
Yes it is? It’s a measure of how many people were able to purchase a home.
which doesnt say anything about the economic conditions of a country.
The above meme:
My parents in their thirties: Let’s buy this house.
Me in my thirties: I can’t afford teeth.
As I said, that is BS.
my man its clearly made more absurd for comedic purposes this community is called Memes not “100% realistic comic depictions of economic conditions”, you cant deny health insurance is a big problem for many people in US.
Have you read any of the top comment threads? People are 100 percent taking this at face value.
Especially since most of those people are older people.
seriously, if you follow that as economic indicator italy is better off than germany XD
Although housing isn’t that cheap in the EU, or am I wrong?
No it’s very expensive here, but funding is quite different.
Compared to North America, including Canada it’s s whole lot better. Even the expensive city’s are more “affordable” than anything I’ve ever seen from the posts about new York.
But never the less it is still expensive.
In Ventura, near Los Angeles, a house that was $600k is currently $1.2m. The whole housing market’s near bursting soon.
Love the fact that 100km is “near”. You would be nearly in an other country in Europe.
But that’s just insane for a 110k city. I mean I get it, it’s Cali and has a coast. But 1.2m for a normal home is just borderline undoable.
Are prices in small towns also exploding?
Yeah, unfortunately most the western US was built on the asinine belief everyone should/does have a car and everyone convinced themselves they enjoyed the idea. But with gas at the price it’s at, along with regularly congested freeways, only now is it being noticed we should’ve planned ahead. To make it worse, there’s so much red tape when dealing with politicians that a projects budget can easily cost 3 times more and take 4 times longer and risk not even getting completed. There’s space and money here, but it’s basically being managed by red assed baboons looking for campaign donations or how their donors can buy up homes and turn them into a block of AirBNB’s lol.
But enough of my ranting, I agree it’s not sustainable and that’s why you’ll see people living in motor homes at night. I know a friends house in LA County has gone from 270k before and is now 500k. No one can afford to purchase, anyone who does is looking at the collapse we saw around 2009, but now it’s houses and car loans. 🙄 It’s like watching people dry hump door knobs lol.
/sleepy rant
I just moved out of NYC after 5 years because it was just getting even more expensive than it was pre-pandemic. I was paying $2500/month for a 500 sq ft, 1 BR with a dishwasher and 2 passthrough (in wall) AC units with paid laundry in the basement, and that was pretty cheap. This was in a small residential neighborhood in Brooklyn, about 11 miles (45 minutes) from Midtown Manhattan. There was nothing around me, you had to drive, walk 20-25 minutes or take the subway to pretty much everything.
Solution: enlist in the military! /s
Then you can be poor with ✨HEALTHCARE✨
At least until you get out.
Or climb the cuttthroat bureaucratic ladder until you can retire at 20 years for healthcare and half pay!
Don’t forget PTSD and other depressive disorders.
Don’t sleep on the VA home loan. Lots of Americans are in the position to afford the month-to-month costs of a house, just can’t afford the down payment get approved on the mortgage. VA home loan is means you only have to put like… $2-4k down, instead of $30k.
I want to laugh but man this hits close to home.
Pretty damn far from a home as well
I know what you mean, these days all we can do is try to laugh everything off.
Feels like we’re already nearing Mad Max with a dash of Blade Runner for an appetizer.
Don’t forget trying to figure out how much you can eat daily! A second meal is a treat!
I’ve noticed I’m eating cheap ramen again, feels like a step backwards and doesn’t sit as easily.
It’s less satisfying now that I’m in my 40s than it was when I was in college.
Definitely feels that way.
I mean it could be worse. In an alternate timeline, you could be living in world where the nazis built nukes first and America becomes a fascist puppet state.
Ah yes, I love living in the world where the only thing that could be worse than reality is literal fascist dystopia
😅
🥲
😟
There are also many developing countries in the world. Not saying it justifies the current state of the US, but to put it in perspective, a lot of people still want to come to the US. As an immigrant, I do not wish to go back to my former country, I mean, unless war breaks out or the US becoming a dictatorship or something, but its already too late for me. Once I gotten my US citizenship, my former country revoked my old citizenship.
Wait until 2024…
It could be even worse than that, Martians could have invaded, turning us all into slave labor and food stock.
SOYLENT GREEN IS PEOPLE!!!
Your parents almost certainly voted to restrict the supply of housing so they could artificially inflate their houses value and retire off of their house.
The causes of the housing shortage are known. We can change it.
Son, one of these days, this will all be yours!
< gestures at crumbling 1985 tract home in car-dependent community >
1985
Check out the guy with the brand new house!
Luxury. Some day, you’ll have 13 zoomers living in a shoebox in the middle of the road…
You were lucky. We lived for three months in a paper bag in a septic tank. We used to have to get up at six in the morning, clean the paper bag, eat a crust of stale bread, go to work down t’ mill, fourteen hours a day, week-in week-out, for sixpence a week, and when we got home our Dad would thrash us to sleep wi’ his belt.
We were evicted from our paper bag in a septic tank. We had to go live in a lake!
Sounds like it could be a Dylan Moran bit.
A bit older - it’s from the Monty Python “4 Yorkshiremen” sketch.
Ahhh. Thanks. I love Monty Python but haven’t seen all their work.
It a little hard to blame them since they were sold the end of pensions and rise of the 401k. Which the bottom 60% of the country has close to zero of and then they can’t make a living wage because the shareholders demand a greater return every year.
You’re right. It’s basically every Americans dream to buy a house, and sell it for a massive profit.
I know. I wish we lived in a communist dystopia.
I lived in USSR. No you do not.
Could you please elaborate what was so bad back then?
Gulag
The US have Guantanamo, you don’t see them shitting on ther country for it.
Anyone with half a brain shits on Guantanamo
And what exactly have you done about that?
What does that have to do with what you originally said?
What exactly do you expect us to do? Storm Cuba ourselves? The US government doesn’t have a habit of doing what I tell it to.
How many US citizens who simply orally disagreed with US policy are jailed in Guantanamo?
Oh please, you had to shit left and right about Stalin or Lenin or communism in general, for months at a time, to be even sent to prison, let alone the Gulag. Gulag was for political prisoners, not some shmuk with a bottle of vodka shouting that Stalin is a pussy.
On the other hand, if you so much as whispered that you’re a US communist during the cold war, you’re on the CIA watch list, that’s for sure.
You could be a communist in US (and in many other parties). You could not be in any party other than communist in USSR and be free.
And under Stalin, if you shout that Stalin is a pussy, yes you were going to be arrested.
EVERYONE shits on them for it, including US citizens.
And shitting about it didn’t actually close it down, did it 😒.
Are you from the former ussr? Straight talk for a second.
It’s ok. You didn’t. You lived in red fascism.
That would be the “dystopia” part.
I was being sarcastic. I don’t want to live in ANY dystopian system.
Wow that must have been so cool, everyone working together for the common good, no more greed or selfishness.
I like Communism, but stalinist communism isn’t a utopia just because it’s communism
I do wish people would respect the ideals of communism more however, it’s ridiculous to think that letting the people with all the money, land, and resources (i.e capital) should also have all the power
If only there exist a country that could balance the incentives of capitalism and the socialist good of communism hmm.
Or just a classic socialist democracy would do fine. Doesn’t even need to be dystopian just you know like what they have in Norway and shit.
This hurts almost as much as my teeth.
Luxury bones
That’s what they’ll be called in insurance plans.
Basically happens now.
Implants–which actually function exactly like real teeth–are considered optional, cosmetic luxuries. They’re almost never covered by dental plans and cost thousands of dollars. Per tooth.
Dentures–which suck and are mainly cosmetic and don’t allow you to eat the same foods you always had when you had real teeth–are considered necessary and practical. You can get free dentures from government/welfare insurance. But even out of pocket are are only a couple hundred.
Mmm, $500 complete upper or lower but it cost me 3.5k out of pocket to go to a dental school and have the broken or useless shit out so I could get dentures and that’s ignoring the fact my loss of teeth is a genetic issue not lack of care.
I remember my grandpa’s dentures, it’s why I brush regularly and don’t have cavities lol. Scary stuff when you’re in kindergarten.
Yeah but your parents suck and trauma makes you cool
I didn’t know it’s cool that I’m incapable of crying for the last twenty years due to cPTSD. Finally, some pay off.
I bought a house at 31…
And how old are you, what is your socio-economic background lol? It’s kind of relevant if youre arguing the meme.
You could have almost all these things with minimum wage back in the days of this meme. Today min wage barely gets you a roof and a bus pass.
That’s what I’m saying, I’m 32. Idk people keep saying they can’t afford afford a house, it’s called priorities. Most kids want a nice car before getting a house.
I dunno why you keep getting down voted… Some people be sour
Idk bro, some people be hating lol
What was your socio-economic background?
I’m lower to middle class, married, have a kid now. I’m a vet tech, so I don’t make much money
True. I want a nice car before getting a house. How the fuck else will I get to my job to pay for my car and house? And by “nice” I mean “won’t break down on the way to my job.” very few of my friends have ever bought a new car.
I have an 06 tacoma with over 430k miles still running great, and my wife and I got a new 2020 camry that year. It’s doable just prioritize.
I’m almost 40 and on the verge of buying my first house. Most of it has to do with moving to Europe and funding works a bit different here.
You mean your luxury bones?
