You may be right, but the X-rays are only the 1 set allowed per year and are part of the cost. The 15% off other services is just a perk to being a member and those additional services must be paid in full outside of this prepaid plan.
In reality, the 1st 5 services listed is what the $300 is for. Anything extra is billed separately.
And I'm not sure what the bill will actually read as for breakdown. But the fact remains that every service included in the plan is for qualified dental expenses. If I were to get each thing listed separately on a bill, each service would qualify for HSA expenses. Another part of the plan's fine print specifically says that discounts won't apply to cosmetic dentistry such as teeth whitening, which aren't qualified expenses for HSA.
Yes, a lot of gray area. I appreciate your response. I hope for other opinions on this as well.
