Reply #4: I don't know

[greenbriar]

because we are fortunate, we have decent insurance I get a physical once a year and it costs me 20 bucks.

My father had great insurance because he worked at an aircraft plant for 40 + years

but they never used it. I guess the copay was always not in the budget


I got braces as a child and when they were taken off, I found out daddys insurance allowed for two cleanings a year and so I did it, but my mom always bitched that I was wasting money