
35. Dental Insurance
02/05/24 • 16 min
2 Listeners
Why is it separate from medical insurance? And is it really insurance at all? Zachary Crockett goes in for a cleaning.
- SOURCES:
- Brad Bolman, postdoctoral member of the School of Historical Studies at the Institute for Advanced Study.
- Pamela Maragliano-Muniz, prosthodontist and chief editor for Dental Economics.
- Wendell Potter, president of the Center for Health and Democracy; former executive at Cigna.
- RESOURCES:
- "Dental Medical Loss Ratios: Understanding the Landscape in Massachusetts and Beyond," by Shaza Stevenson, Megan D’Alessandro, Sandra Wilkniss, and Nicole Evans (National Academy for State Health Policy Blog, 2023).
- "Health Insurance Coverage in the United States: 2021," by Katherine Keisler-Starkey and Lisa N. Bunch (U.S. Census Bureau Reports, 2022).
- "Medicare and Dental Coverage: A Closer Look," by Meredith Freed, Nancy Ochieng, Nolan Sroczynski, Anthony Damico, and Krutika Amin (KFF, 2021).
- "Dentists’ Group Fights Plan to Cover Dental Benefits Under Medicare," by Julie Bykowicz (The Wall Street Journal, 2021).
- "Antisocial Dentistry," by Brad Bolman (Hypocrite Reader, 2021).
- EXTRAS:
- "'Insurance Is Sexy.' Discuss," by Freakonomics Radio (2023).
- "Does Health Insurance Make You Healthier?" by Freakonomics, M.D. (2022).
Why is it separate from medical insurance? And is it really insurance at all? Zachary Crockett goes in for a cleaning.
- SOURCES:
- Brad Bolman, postdoctoral member of the School of Historical Studies at the Institute for Advanced Study.
- Pamela Maragliano-Muniz, prosthodontist and chief editor for Dental Economics.
- Wendell Potter, president of the Center for Health and Democracy; former executive at Cigna.
- RESOURCES:
- "Dental Medical Loss Ratios: Understanding the Landscape in Massachusetts and Beyond," by Shaza Stevenson, Megan D’Alessandro, Sandra Wilkniss, and Nicole Evans (National Academy for State Health Policy Blog, 2023).
- "Health Insurance Coverage in the United States: 2021," by Katherine Keisler-Starkey and Lisa N. Bunch (U.S. Census Bureau Reports, 2022).
- "Medicare and Dental Coverage: A Closer Look," by Meredith Freed, Nancy Ochieng, Nolan Sroczynski, Anthony Damico, and Krutika Amin (KFF, 2021).
- "Dentists’ Group Fights Plan to Cover Dental Benefits Under Medicare," by Julie Bykowicz (The Wall Street Journal, 2021).
- "Antisocial Dentistry," by Brad Bolman (Hypocrite Reader, 2021).
- EXTRAS:
- "'Insurance Is Sexy.' Discuss," by Freakonomics Radio (2023).
- "Does Health Insurance Make You Healthier?" by Freakonomics, M.D. (2022).
Previous Episode

34. Store-Brand Products
Those low-priced staples on grocery-store shelves — where do they come from? Zachary Crockett finds out at a national convention for private-label manufacturers.
- SOURCES:
- Kusum Ailawadi, professor of marketing at the Tuck School of Business at Dartmouth College.
- Eric Beringause, C.E.O. of Winland Foods.
- Ryan Boyle, vice president of sales at Kitchen Innovations.
- Samantha Burd, co-owner of Lady Burd Cosmetics.
- Dean Erstad, senior vice president of sales at Seneca.
- Harry Overly, president and C.E.O. of Flagstone Foods.
- RESOURCES:
- "The Backlash to Price Hikes Is Building," by Julia Waldow (Modern Retail, 2024).
- "For U.S. Consumers, It’s a Matter of ‘And’ — Not ‘Or,'" by Kari Alldredge and Warren Teichner (McKinsey & Company, 2023).
- "Those Doritos Too Expensive? More Stores Offer Their Own Alternatives," by Julie Creswell (The New York Times, 2023).
- "Why Private Label Brands Are Having Their Moment," by Errol Schweizer (Forbes, 2022).
- "The Hidden Makers of Costco’s Kirkland Signature and Trader Joe’s O’s," by Nathaniel Meyersohn (CNN Business, 2022).
- "Pursuing the Value-Conscious Consumer: Store Brands versus National Brand Promotions," by Kusum Ailawadi, Scott A. Neslin, and Karen Gedenk (Journal of Marketing, 2001).
- "The Effect of Generic Products on Consumer Perceptions and Brand Choice," by John J. Wheatley (NA - Advances in Consumer Research, 1981).
- EXTRAS:
- "Should America Be Run by ... Trader Joe’s?" by Freakonomics Radio (2018).
- "How to Save $1 Billion Without Even Trying," by Freakonomics Radio (2014).
Next Episode

36. ATMs
Why do you have to pay $4 to get $40 cash at a bar? And who does it go to? Zachary Crockett checks his balance.
- SOURCES:
- Bernardo Batiz-Lazo, professor in the Newcastle Business School at Northumbria University.
- Patricia Tuz, president of New York ATM.
- Jon Weilbaker, general manager of New York ATM.
- Sasha Weilbaker, freelance writer and daughter of Patricia and Jon.
- RESOURCES:
- "The Number of ATMs Has Declined as People Rely Less on Cash," by Jim Carlton (The Wall Street Journal, 2023).
- "Survey: ATM Fees Hit Record High While Overdraft and NSF Fees Fell Sharply," by Karen Bennett and Matthew Goldberg (Bankrate, 2023).
- "More Americans Are Joining the ‘Cashless’ Economy," by Michelle Faverio (Pew Research Center, 2022).
- "Thieves Target ATMs Flush With Cash During Covid-19," by Scott Calvert (The Wall Street Journal, 2021),
- "Locational Study of ATMs in the US by Ownership," by Lian An, Christopher Baynard, Chriadip Chatterjee, and Chun-Ping A Loh (2018).
- "A Brief History of the ATM," by Bernardo Bátiz-Lazo (The Atlantic, 2015).
- EXTRA:
- "Why Are We Still Using Cash?" Freakonomics Radio (2016).
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