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Ouch that hurt AND cost me $300

July 27th, 2008 at 09:16 pm

I went in for regular teeth cleaning (Horrors! After 3 years. I hate going to the dentist) They said my gums were being pushed down and I needed to put in boding in 15 teeth and if I didn't take care of them, I will get root canals!! And one cavity! My insurance paid 80% of it. But I had to pay $300 out of my pocket. Frown
Have you guys had bonding put in? She also fixed one of my teeth that was chipped. Now it seems smooth which is nice. I wonder if I should have waited and gotten 2nd opinion? But dental insurance from my work is crappy- ony $1500 a year, most of which was used up today.

Posted in Expenses | 3 Comments »

3 Responses to “Ouch that hurt AND cost me $300”

  1. dtjunkie Says:
    July 28th, 2008 at 03:47 am 1217216850
    1217216850

    The first time I got Dental insurance (mine also had $1500/yr cap). I went to town and got all the Root Canals, Crowns, and fillings I needed. It cost ALOT, out of pocket I think I paid almost 2 grand. The only things I turned down was anything cosmetic. Don't feel bad about what you spent, when it comes to your health you really shouldn't mind "splurging".

  2. Cindy K Says:
    July 28th, 2008 at 01:35 pm 1217252121
    1217252121

    Your employer has purchased and made available to you a dental plan with a maximum annual benefit of $1500. True there is out of pocket expenses in the form of deductibles and coinsurance that you end of paying out of pocket. I've been servicing employer's dental and health plans for over 17 years and having a $1500 annual maximum benefit is a benefit. Most employers will purchase a $1000 annual maximum with no orthodontic benefit for children. Consider yourself fortunate to work for an employer that does give you the option of dental insurance. Another benefit that some employers have is a flexible spending account (FSA). This allows you to pay for qualified medical expenses with pre-taxed money. You set aside a certain amount annually that is taken from your check pre-taxed. After you incur a claim like the dental expenses, you can pay for the services with the money that you set aside out of your paycheck (the pre-taxed dollars). Save you in taxes. Check with your employer to see if they offer an FSA.

  3. dmontngrey Says:
    July 28th, 2008 at 04:38 pm 1217263088
    1217263088

    $1500 per year is actually on the HIGH end for company dental plans. Sounds like you have a good one.

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