Even if you have health and dental insurance, actually getting coverage can be a nightmare in some scenarios.

Tooth infection spreading into the jaw? Health insurance says it’s a dental issue, denied. Dental insurance says it’s a medical issue, denied. Both of them refuse to talk directly to each other – they will only communicate with you, asking you to pass messages to the other one, which the other one will ignore. Every time you try to contact either one, you need to be prepared to spend at least two hours on the phone, most of it waiting on hold.