Hi, I'm looking into taking out additional medical insurance for my kids to cover dental treatment and orthodontics, but I can't work out whether it's going to be worth the extra monthly cost or not. I realise every insurance company is going to be different but, in general, is it worth taking out complementary insurance for orthodontistry, or is it still cheaper to go to France and pay up front?
My head tells me that the insurance company has to make money, therefore as a rule you will end up paying out more on an insurance policy than you would just paying for treatment, unless there is some kind of state subsidy involved, but I have no idea if this is the case.
All advice gratefully received.