Two friends had toothaches today.
One has over-the-counter pain meds.
The other has had a dentist clean out some detritus near the periodontal ligament of the painful tooth; received prescriptions for Vicodin & Amoxicillian; and a written referral (with an x-ray) to a specialist for if this doesn’t improve in a few days.
I doubt it’s a coincidence that only one of them has health insurance.
Nor is insurance the only issue — the friend with health insurance also has a new dentist (mine) because he was so dissatisfied with his previous dentist he was considering not using his health insurance.