The event that sparked me to look for this blog and start bogging again involves dentistry. I have coverage for me and my family through work. Over the years it has covered regular check ups for everyone, braces for two of three kids, wisdom teeth surgery for a couple of us, and a couple of root canals.
Now my wife and I are in the middle of (her) and facing (me) extensive dental work. The annual benefit is "only" $1500 -- I put that in quotes because I recognize that some people have no coverage.
Yesterday, she realized that she had maxed out on this year's coverage, and owed about $1,000, and still had more work to do.
I'm scheduled to go in for a root canal tomorrow and will need some sort of bridge or something when I'm all done -- again, something that will cost more than the annual benefit.
Needless to say, and based on my previous post, none of this is in the budget. I'm still on the fence about cancelling tomorrow's appointment because I'm facing about a $300 to $400 co-pay that I will have to come up with tomorrow.
A Crisis Comes At the Most Inconvenient Time
August 23rd, 2011 at 12:59 pm
August 23rd, 2011 at 01:16 pm 1314105407
August 23rd, 2011 at 01:48 pm 1314107315
Bummer is my old dentist retired this year, so it's back to the scammy drawing board. The sad thing was how highly recommended these dentists were!
August 23rd, 2011 at 01:52 pm 1314107546
August 23rd, 2011 at 03:59 pm 1314115166
I buy Smile Savers. I pay about $80 per year.
When my daughter was 7, a dentist said she NEEDED a retainer. For her baby teeth. I said no, the first day she goes to school and takes it out to eat lunch, the retainer will end up in the trash. Her teeth looked straight to me anyway. I thought at the time and still think, she did not NEED a retainer, the dentist NEEDED revenue.