Hacker News Reader

They are, and that is not what Delta “insurance” covers.

I’m not sure why you say this. Maybe I don’t understand what you mean.

I have Delta Dental through my employer’s benefits and it covers all the types of operations that I’d expect: preventive, endodontic, periodontic, orthodontic, prosthodontic, etc.

If I need a root canal, it’s covered by Delta Dental (up to a point, given the deductible). If I chip a tooth, and get an inlay or onlay, that is covered. Is this not insurance? Why not?

Where I live, Delta offers a plan that essentially provides a set price list for various procedures as long as you are in network. Perhaps the person you're replying to has run into that plan and didn't realize that they also have more conventional plans.

Reply on news.ycombinator.com