Canada

My wife had a tooth that needed pulling years ago. We were young and broke and had no insurance. We went to a dentist, explained that, and he charged us $30 for pulling the tooth. If we had insurance, the amount would have been over $400. This was in Canada around 1990. Also, "referrals" are a big money maker for the medical and dental industry.

Insurance provider Sun Life administers the CDCP and processes claims.

In case you were not aware. The public dental insurance program is done by a private firm. 🥹

My insurer is Sunlife. They have hundreds of people employed, that you cannot directly talk to, that move the goalposts around on large claims, making arbitrary rule changes to try and deny claims. Then they bizarrely cover naturopaths and chiropractors and other bullshit pseudo-medical providers, likely because it's a hospital and they know no one wastes time with those clowns.

I had the misfortune of having to deal with Sun Life a few years ago- they are one of the worst companies to deal with. Their claim forms conveniently had no mailing address, so I had to call and ask for it. Their online claims were no better - cumbersome and confusing. I was convinced that they purposely hired illiterate people to process claims as the rejection reasons often were for missing information...that was right on the receipt. Only after resubmitting the receipt with the item circled for them did I get my reimbursement.

My sympathy goes to those forced to deal with this company.