No, I know it happens, and that's not at all what I was saying. Far from it.
I understand what you're saying about various forms of dental. I don't think it's relevant due to this comment in the OP;
Quote: he has never asked me to pay the difference between his standard fees and what my insurance pays him (true).
This was why I mentioned the fact that the dentist has money to survive whereas the OP cannot survive on the insurance money. Since she doesn't receive any.
However, I'm not here to debate so I'll leave it at that.