Dental Insurance and other ways to pay - Page 2 - Mothering Forums
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#31 of 50 Old 12-20-2002, 03:19 AM
 
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Yeah, I have already warned my husband that I will be a basket case of worry until the work is done.
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#32 of 50 Old 12-20-2002, 03:55 AM
 
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Gilnikche; despite all the stress of ths whole thing, it DOES sound like you're getting a deal on the anesthesiologist, especially since he's coming to your dentist's office and sparing you the cost of a surgery center or hospital. I wonder if he's one of those crazy mavericks who got fed up with insurance billing and hmos and just decided to do a cash and carry type of deal. I"d rattle the billing office of your dentist a bit more- they really ought to be able to tell you specifically what is and isn't covered since most insurance requires taht you get things like this pre-approved.
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#33 of 50 Old 12-20-2002, 04:04 AM
 
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Quote:
Originally posted by LaLaLuna
I wonder if he's one of those crazy mavericks who got fed up with insurance billing and hmos and just decided to do a cash and carry type of deal.
Yeah, I understand why he does it. I am just so sick of trying to figure out where to scrape up money. I also have to come up with another $450 for my part of of the tab for the work. But I am assuming that will be billed to me afterwards...

I really feel that I do not have enough info to make a informed decision. But lately I am wondering if it is a case of anything feeling safe enough for my child.

** Now I think I understand what other nurses used to tell me about "the curse of knowing too much".
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#34 of 50 Old 12-22-2002, 03:36 PM
 
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Our dental insurance does not cover sedation. My dd had 5 crowns and a filling scheduled to be done the day after she turned 2. We did oral sedatives and nitrous b/c I didn't want to do GA (and i couldn't afford it). GA would have been about 3000 out of pocket and what we did was about 500 out of pocket. We ended up doing one appt the day after her bday and had to finish up during a f/u appointment. The dentist tried to get it all done in one visit, but the sedation was starting to wear off- he gave her a 2nd dose, but wasn't comfortable giving her a 3rd dose or trying to finish. He spent about 60-90 min on the first visit and about 15-30 min on the 2nd. She slept most of the day after it was done and by the next day she was fine. She has no lingering fears of the dentist- we just went back for a cleaning and she had a great time.

I think the trick is finding a great ped dentist. The one we go to specializes in kids and special needs patients. They have a very kid friendly atmosphere and all of the staff are very gentle and patient. They don't do anything without telling the kids what they're doing.

One thing I found amusing about the whole dental thing is that I took dd in for her 2 year check up at the dr (when she was about 2 1/2) and the ped told me to make sure I get her to the dentist when she's about 3 or so. I laughed and said if I had waited that long, she wouldn't have had any teeth left. Maybe peds should reconsider when they recommend the 1st dental visit???

Michelle -mom to Katlyn 4/00 , Jake 3/02, and Seth 5/04
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#35 of 50 Old 12-22-2002, 03:42 PM
 
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The doctor told me the other option we had was oral sedation/nitrous oxcide, but they would also strap her to a board. Uhhh.. no thanks. And the Doctor wasn't too thrilled with that idea anyway. I'm not sure what we will do if the new insurance won't pay...
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#36 of 50 Old 12-22-2002, 07:18 PM
 
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shelbean91,

May I ask what kind of sedative was used?


AmandasMom,

I had a dentist the wanted to use the "papoose board". On the way home; I was telling my hubby that there was no way in h*ll that was going to happen.
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#37 of 50 Old 12-22-2002, 09:42 PM
 
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I'm sorry- I don't remember the name of the sedative. First, we tried some pink stuff that she drank, but she threw it up about 90 seconds after she took it, then we did an injection of something else. I'll try to find the paperwork and look it up for you. I looked it up online and found it to be a very common form of conscious sedation. We also did use a papoose board, but she didn't go into it until the sedative took effect and she didn't care in the least. She was very out of it. She looked like she did if she were right before sleep or just about to wake up. Very, very drowsy.

Michelle -mom to Katlyn 4/00 , Jake 3/02, and Seth 5/04
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#38 of 50 Old 12-23-2002, 03:39 PM
 
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The sedative was Versed. I'm not sure if the injection was the same med as the oral that she threw up. I don't think it was, but I don't have the name of that one written down and I don't remember what it was.

Michelle -mom to Katlyn 4/00 , Jake 3/02, and Seth 5/04
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#39 of 50 Old 12-31-2002, 04:57 AM
 
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How's it going, bebesho?
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#40 of 50 Old 01-01-2003, 05:42 AM
 
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gilnikche, did you see the thread in the dental archives devoted entirely to "general anesthesia"? Lots of moms talk about the expense and how they dealt with it, as well as how they dealt with the experience of it all, too.

There's also a thread in there about "treatment options", and "nitrous oxide, sedation, oils, hypnosis".
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#41 of 50 Old 01-05-2003, 12:43 AM
 
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Smilemomma,

I have a question on something you posted on the "G.A. thread" in the Archives. This was from 9-26-2002:

Quote:
I would absolutely not do general anywhere but in a hospital, with a pediatric anesthesiologist alongside the dentist. The dentist needs to concentrate on the dentistry, and the anesthesiologist can focus on the child. I don't know if the dentist has hospital privileges, if the peds do, etc, so that's a hard one to answer. I'd research them all and interview them all, then go with my gut. Provided the dentist has hospital privileges and can work there, the dentistry isn't any different on an anesthetized patient, so you're fine there. The peds wouldn't work on a 2 year old? So who do they work on? If you love and trust your dentist, I would start there, and get your referrals from him.
Do you think it is safe to have the Anesthesiologist come out to our dentist's office? This is the first time I have heard of anesthesia outside of a hospital or outpatient surgery center.

Carla
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#42 of 50 Old 01-14-2003, 09:11 PM
 
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My ds, almost 2 1/2, has 3 cavities that need filling. Our dental plan only covers anesthesia for extractions but our medical insurance covers anesthesia if done in a hospital. The dentist only works in his office, not the hospital.

My only hope is with a dentist in another county who performs procedures in the hospital only if the patient cannot be treated in the office or has another medical condition. Even then, we must get prior authorization.

My frustration comes from being a paying customer for procedures I can't get. This is because my husband's employer did not choose coverage for office procedures!!!

I know it could be worse if we had no coverage but I have too many other things to do besides chase down dentists with my insurance who will work in a hospital. I can't wait until I have to tell my nursling that he can't have anything to eat for 5 hours or even nurse for 3 hours before anything we do anyway!!!

Ranting over now... calm slowly returning. Yes, I am now grateful again for all I have. Not quite blissful yet but I will be, someday soon. Where's my chai? Ah-h-h-h...

Rebecca
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#43 of 50 Old 01-15-2003, 12:32 AM
 
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AAARRRGGGHHHHH!!!!

:
Wouldn't you just wanna feed them hairballs sometimes?
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#44 of 50 Old 01-18-2003, 06:27 PM
 
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We're in the same dilemma right now. Dane has 4 cavities in his front teeth and to go the GA route will be $625 (it will be more if he needs more than an hour of anesthesia), none of which is covered by our dental insurance. The work that needs to be done (4 fillings, x-rays and cleaning is an additional $625, but we are only responsible for $121.50 of that).

As if it isn't bad enough to be told that your child has cavities at 16 months despite doing all the things "right" things as far as dental health, then they tell you what it is going to cost!! They won't even schedule us without the money upfront.

When I told her I had to go home and discuss it with my dh and that I'd probably be getting a second opinion before going ahead, she looked at me like I had two heads! DH and I both have good jobs with decent salaries and this is a lot of money for us. Do other people just write out the check?
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#45 of 50 Old 01-18-2003, 06:30 PM
 
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We've got the same issue, except that our medical insurance won't cover any dental procedures at all, so even getting it paid in a hospital is a moot point.
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#46 of 50 Old 01-19-2003, 01:05 AM
 
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Quote:
Originally posted by Jennifer H
When I told her I had to go home and discuss it with my dh and that I'd probably be getting a second opinion before going ahead, she looked at me like I had two heads! DH and I both have good jobs with decent salaries and this is a lot of money for us. Do other people just write out the check?
Apparently people must do just that. Or perhaps they get a cash advance on their credit card. The receptionist gave me just the same kind of look you described.
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#47 of 50 Old 01-25-2003, 01:31 AM
 
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Insurance companies suck.

Well... people who work at insurance companies suck.

Or something.

I actually have a much better situation that others mentioned here, so I'll be duly grateful for that. But have had a really horrible experience with our insurance company. Have gone into it here before, so will try the Cliff's notes version -- Bad bad bad dentist who had been written up for ignoring decay (we didn't know this until later) said that my dd's teeth were completely fine, when I was concerned about a brown spot. "Just a chip." I remained concerned, wrangled a referral to a ped. dentist which took SOME doing, delays delays delays, found out she had SEVEN cavities. At the time, were p.o.'ed at insurance co. for the fact that they sent us to this quack, they were vaguely apologetic and implied that they would pay for the composite fillings we had done even though only amalgam was covered. DH is the one who dealt with them, and didn't get the implication in writing, and they've been perfectly horrible since. "Well, 7 cavities don't just happen... you need to take some responsibility..." GRRRRRRRRRRR.

Anyway, much sympathy to all of you, and thanks for the opportunity to rant. We're going back for the 6-month check up next week and I'm a nervous wreck.
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#48 of 50 Old 01-25-2003, 10:13 AM
 
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Have any of you had luck with arranging payment plans? We just found out our daughter had 4 cavities that need to be filled soon. I am freelance, so we have independent medical, but unfortunately no dental insurance, and tax time is right around the corner. I want to find a good pediatric dentist (our regular one mentioned using restraints, and I don't want to do that) but I'm afraid that if I ask about a payment plan, I won't get the time of day. For reference, our dentist quoted $475 to fix this, which sounds quite low to me.

Mom "D" to DD1 "Z" (14) and DD2 "I" (11) DH "M"

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#49 of 50 Old 01-26-2003, 09:31 PM
 
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We had the same problem with one dentist who wanted all the money up front before she would even schedule the hospital appointment. We asked them if they could check with the insurance company first to find out how much they would pay. They reluctantly agreed and sent out a predetermination of benefits request to the insurance compnay.. The insurance company replied within a week and we only had to pay what the insurance said they would not cover.


Hope this helps.
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#50 of 50 Old 01-27-2003, 08:16 PM
 
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We had our son's dental work done in the hospital and to confuse things even more his primary dental insurance was on my dh's policy and primary medical on mine. Our dentist told us upfront what the ballpark cost would be for what she wanted to do and let us know the receptionist could help us out with insurance questions.

Not only were the receptionists incredibly polite and understanding that hundreds of dollars is a lot to come up with at once, they checked at that moment with both our insurance companies to find out what exactly would be covered. When we had the work done we did pay our dentist up front, the full amount, whereas Children's preferred to bill us afterward for the room, anesthesia etc.

It sounds like the pay-now policy for dental work is pretty common. It's too bad the attitude of your receptionists has also been common One of the only reasons i would love to be rich is so i could pull a Pretty Woman and pull out my wads of cash and say "wow, i was fully intending to prepay now but i'm sorry you have such a classist and condescending attitude toward my appearance and questions about the bill ~ we WILL be going elsewhere for all the services recommended."



I work in an animal hospital and it's kinda the same in a lot of areas - this particular service costs this much, if you can't do it you can't do it and it may be detrimental to your pet's health but my gosh we aren't rude about it!
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