talltpaguy: Now that you mention it, I always had to wait several weeks before seeing a physician in the USA when I had insurance. Never -- as in NOT ONCE -- whenever I called for an appointment was I ever asked, "Can you come in today at 2:00 PM?" or some other time that had suddenly opened up.
And as for dental insurance . . . what a scam. I always had what I was told was great dental insurance back in the days I could still afford insurance and insurance companies didn't treat me like I had leprosy (which is what happens when you have your 50th birthday, are single, gay and a history of asthma). I recently was apprised by my dentist here in Barcelona that I have one impacted wisdom tooth left. It's in my lower left jaw and he recommends that I never have it removed, because of my age and that any new bone that grows back would be weaker than the bone/tooth adhesion that I currently have. Just as long as I never develop an infection I'll be OK.
But I vividly remember paying to have that wisdom tooth removed back in 1980. Instead, the dentist obviously only removed three teeth and never really bothered to tell me the truth about the 4th tooth. However, I did have some mangled, bloody tissue where that tooth is. In addition, I remember that I had to pay $700 (in 1980) to pay for the anesthesia because my orthodontist did the anesthesia himself in his office. If an anesthesiologist had knocked me out they would have paid $1,000. Didn't and still doesn't make sense.
Well, there is good news if you live in the USA and are worried about dental care IF you can pull together $10,000. The average cost of a complete repair/reconstruction of bad teeth including cosmetic finishing (crowns, veneers, root canals, deep trenching for gum diseases) is rarely more than $10,000 -- as long as you go to a dentist who specializes in cosmetic dentistry. In the Los Angeles Area there are hundreds of these specialists. If you're brave and willing to take Mexicoach across the border from San Ysidro to Tijuana you can cut that price down to about $2,000. Mexican dental schools are just as good as dental schools in the USA. Although Mexican dentists usually insist upon cash whereas American cosmetic dentists will often take American Express. And these guys rarely, if ever, want to play dental insurance. It's a cash business.
Isn't ironic that dentistry as a cash business works so much better than when you go to your local tooth puller and play the dental insurance game?