Guy Realizes He Accidentally Waived Dental Insurance for Two Years and His Reaction Is Priceless

Navigating the world of health insurance can be murky, especially when it comes to understanding the difference between "waive" and "wave." One TikTok user, Danny (@dannywhitemusic), put himself on blast for an all-too-relatable insurance blunder.

In his video, Danny admitted to a misunderstanding that left him without dental insurance for two years, and, honestly, we can't decide whether we want to laugh or cry for the guy.

In his TikTok confession, Danny is shown in front of a green screen display of his insurance account, shaking his head as he recounts his head-slapping saga. He starts by saying, "This is how f--king stupid I am," and explains that for the last two years, he hasn’t been able to schedule a dental appointment and couldn't understand why.

He assumed the "Wave Dental Plan" he had selected was the right option, but eventually realized the truth: "Wave" was actually "waive." As in, "I don't want dental insurance." Cue the head-in-hands emoji.

“Our dental plan is called Delta,” he elaborated, realizing too late that it wasn't some quirky name for a plan but an option to decline coverage. After re-enrolling, Danny finally figured it out: “I feel so f-ing stupid, bro. I finally have dental insurance. Thank f-ing god.”

Some commenters were quick to roast Danny for his mistake, while others offered helpful advice. One pointed out, “Yeah, waive means you’re passing on something,” while another sarcastically noted, “The $0.00 per pay period should’ve given off some red flags, my dude.”

Others criticized the system instead of Danny’s misunderstanding. “Dental should not be separated from medical insurance IMO,” one person wrote.

Another commenter placed some of the blame on HR, saying, “That’s a failure on HR's part, failure to properly explain the benefits and how to waive them.” Danny, however, wasn't going for that.

He responded, "Actually naa, it’s my fault because they have someone come in and help us, and me being me the last teo years I was like 'naa ima learn myself.'"

Regardless, Danny’s experience hits on a bigger issue—navigating health insurance in the United States can be notoriously confusing. Even for those who have been in the workforce for years, deciphering insurance jargon is like a cruel pop quiz on the adulting syllabus.

In Danny’s case, the difference between "waive" and "wave" ended up costing him two years of dental coverage. And he’s far from alone in this struggle. Many Americans have a hard time understanding their health insurance options. Between complex terminologies, different tiers of coverage, and plans that separate health, vision, and dental insurance, it’s no wonder there’s confusion.

Some people think health insurance should be nationalized and include all forms of care — health, dental, and vision — under one umbrella. Others prefer the privatized system but agree that there needs to be more clarity in communicating benefits.

Luckily, there are resources to help simplify the health insurance process. Many employers provide benefit education sessions (which, to be fair, Danny admits he skipped). There are also resources like Healthcare.gov that provide straightforward information, and organizations like the National Association of Health Underwriters offer assistance in breaking down policy details.

While no system is perfect, there are tools for those willing to seek them. Danny’s TikTok is a funny and painfully relatable reminder that it’s OK to admit when you’ve made a mistake — especially when you do it with such charming self-deprecation.

We’re glad Danny finally got his dental insurance sorted out, and we appreciate the accountability it took to out himself to the world. In a system this confusing, at least we can laugh while we're paying for it — literally and figuratively.