@ Scant: They have no balls. I'd be happy to get back to rates based on claims in the employer market. 5,000 OOp is fine. Rates at $10k/year work (for me - even though my typical claims are about $1,000 for the family wellness visits only.) We spend more on dental claims but have been able to keep our teeth in our heads and have something to chew with besides our gums. I'm cheap and some teeth have more tied up in them than most of the cars I drive. It's also ridiculous that a crown is $1,200 and so is a root canal. An implant is $4,000 and then you need to buy the crown. I should have gone to dental school!!
PS, it's cold in Canada.
PS, it's cold in Canada.