I just don't know what to do. I keep hearing my Homeopatist in my head saying "What ever you do, don't get metal!". Ugh, I just don't know what to do.
Anyone have any advice?
There are insurances that don't cost too much, at least not if you only have them for a while. You'll end up in an HMO, and you have to get the somewhat fancier ones because then you don't have to wait 6 months. Mine is called Ameritas Excel 3000, they pay for composite (white plastic) fillings on all teeth except the deep molars, and on the molars the copayments are doable (about $60 a tooth). Root canals cost me $160, and crowns about the same. I think the site that got me there was called allhealthinsurance.com; it offers comparisons between different insurances. Or you can do a search on "insurance comparison" or something. I pay $35 a month (me and dh) for the insurance. So, if you started with the insurance, and then got the bad tooth fixed for $300 max (if that's the one that needs the root canal), you could always cancel the insurance again, wait till you had more money and then do the rest. I waited 5 years, to be exact (just don't let smilemomma read this).
Or do a search for dental discount plans ~ there are probably plenty of dentists in SF who accept them. (I wasn't so lucky here in SD, especially since I don't have a car and couldn't travel easily to those outlying dentists)
Anyhoo, it sux the big suxerooni. Good luck.
I second what simonee says about the insurance. Most plans that don't pay for metal will pay for other materials the same amount that they would have given you for the amalgam. (ie, amalgam = $60, composite = $100, insurance will pay $60 only, as if it were amalgam, and you'd be responsible for the $40).
Good luck to you!
I'll keep you all updated : )
After battling for months, my health insurance provider (United Healthcare) refuses to pay for the hospital/doctor/anathesiologist (spelled wrong) part of her dental procedure. We have asked, written, talked to, argued all no NO avail. They say that since she needs to go into the hospitall because of a dental procedure, that it isn't covered. We argue that she is 2 years old and she can't be awake for all the major work she needs to get done. They say too bad, we dont cover it. Our dental insurance won't pay for that part because they say Health insurance should pay for it.
So our daughter gets to have black teeth because of the stupid fuking insurance, and because we don't have the almost $3,000 it will cost us. I hate this country so much sometimes!!!!!
Her front 4 teeth are almost all black now. Luckily she is in NO pain. How long after they turn black can we hope that they just fall out? How does that work smilemomma? I feel like such a bad mom, but we have no choice
We went to about 3 ped dentists before we found one who would do the work in the office. It did end up taking 2 visits instead of 1, but dd did great. The dentist did what he called 'consious sedation'. They used some gas and another anesthetic (sp). DD wasn't completely under, but she was very out of it (almost like when someone is drunk- they are awake, but not always aware of what's going on).
They put her in a papoose so she couldn't wiggle too much. They were very gentle and stopped working whenever she started becoming agitated, so she could settle down. The most traumatic part of the visit and recovery was I had her wearing sandles and she must have been moving her foot back and forth because she had a blister the size of a dime on her heel.
The dental insurance still didn't cover the anesthia, but it cost us $300 out of pocket instead of $3000. Also, the dentist didn't charge us for the anesthia the second time, only the first, since originally we had thought he could get her done all at once.
I'm sorry that they're not covering what you'd like them to cover, but the person to be angry at is whoever decides your coverage (your employer? Your husband's employer? They bought the plan.) Do they have other plans that you could choose that DO cover more, even if it cost you a bit more each month?
You could also call the insurance commissioner in your state. Sometimes just *threatening* to call the insurance commissioner gets things rolling. There are also options outside of this like credit cards, a bank loan, relatives, etc. Does the health department in your state do this kind of thing? Medicaid or MediKids? Florida has a KidCare program that helps in situations like this.
I sure hope things work out for you! I know it seems like you don't have a choice, but you do. Keep trying, sweetie, it will happen!
(As for the teeth, they don't usually fall out. They rot off to the gumline, but the roots remain in the gum and bone. I'm sorry. )
|I'm sorry that they're not covering what you'd like them to cover, but the person to be angry at is whoever decides your coverage (your employer? Your husband's employer? They bought the plan.) Do they have other plans that you could choose that DO cover more, even if it cost you a bit more each month?|
Both myself and the dentist office have written and called over and over again to get them to cover it. But they don't care, even when you point out the only other option is sedation/strapped down and I will never ever strap her down unless she is in pain, and even then I would rather hold her to restrain her.
This is all terribly stressful to me. Not only did I have HUGE nightmares about putting her under, now I've had to fight to be able to do it, and I've lost. I keep thinking about how when I was sick in London and in Sydney, all I did was walk into hospital/dr office and they saw me. No one asked how I was going to pay, no one asked "which insurance do you have". If I were in any western place but here my daughter would not be running around with black teeth. I should consider myself lucky, my husband has a good job with insurance, while most people no insurance.
The truest answer to violence is love. The truest answer to death is life. The only prevention for violence is for the heart to have no violence within it. We cannot prevent evil through any system devised by mankind. But we can grapple with evil and defeat it, but only with love—real love.
I also read that preemies can have bad baby teeth, but the permanent teeth end up being fine. That made me feel better in our case since I was told it looked like classic 'baby bottle mouth'.
I'm scared of the dentist, and have heard that composite fillings only last five years, and REALLY don't want to go to the dentist every five years for a bunch of new fillings. Is this true? Or are there other options? Do they still do gold fillings or is there something wrong with them too?
The last dentist I had said to "call the ADA, silver fillings aren't dangerous", and for some of my cavities they are the only kind I can get. Then dropped me as a patient because I refused to sign the paper agreeing to all they wanted done (none of which addressed my toothaches.)
They also said I'd have to have my wisdom teeth taken out with a local anesteshia, one or two at a time. (Did I mention I"m scared of the dentist? Besides I've had friends with general & local removals and the general had a lot better recovery.)
I live between Olympia & Tacoma, and we're on a managed care plan that only covers mercury fillings. Dh is a state employee, and open enrollment starts in November. Does anyone have suggestions as to what insurance plan to get? Right now we have two options for dentists on our plan in town (one of which just dropped me) and it takes MONTHS to get an appointment.
not because I think you have a similar problem, but because I go into the various means of obtaining dental care at low or no cost, at least in my state. There should be similar programs in your area.
Good luck, please post back and let us know how it goes!
If there's a dental school in your area, they will do everything from full, comprehensive care to just an emergency visit. It's not free, but it is at a much reduced price.
Prepare to spend at least 3-4 hours there, but it will be taken care of. As far as quality, everything that is done is checked by several instructors along the way.
I used to babysit for the dentist that pulled a wisdom tooth for free. I hope you can find a dental school near you, keep calling on the phone and tell them your story. We have a free dental clinic near my house that is associated with a large food pantry and clothes closet.
Another thing to do if you belong to a church is to call the secretary and ask if there are any dentists registered. We use our parish directory to find people that have a business or trade when we are in need of help and have found those people to be willing to wait to be paid or trade a service.
I wish you the best!!!
After 4 m/c, our is here!
BTW, I bought a store brand of Scope and it is doing wonders on keeping the pain down!!! Brushing is rough but that mouth wash is killer-literally. I will borrow the $$ if I have too, as my Father saw my teeth and is paranoid..
1) my throat hurts, will the ynot see me b/c it is swollen?
2) Should I take antibiotics if I have an infection or is there safer alternative (also, I am still nursing DS ALOT)
i have called my dental insurance with questions on at least three different occassions (three different questions) and each time i called, i got my answer. next time i call and find out that my first answer was wrong!!!!
most notably was the question about whether or not my preventative costs counted towards my annual maximum payout.
i was told they do not count and yet they do.
i just dont know what i can do to ensure that i'm getting a reasonably accurate answer!!!!
Their latest how-to-tick-off-Moon trick was rejecting every single one of Sophie's claims fron July 1 on. Not that there are many, maybe one or two, and an ER visit.
Why, you may ask?
DX's company never forwarded her social security number.
So now they want *me* to make payment arrangements with the doctor's involved, since the doc will no longer resubmit, having been turnt down twice or more.
I loath and detest insurance companies. Wait, now I have something to add to the evil companies thread.
We found a soft spoken dentist with very good "bedside manner" & he even has a bench built into each exam area so parents can be with the child. He recommended having my son be worked on under general so we can get all the work done at once. He works with an independent anesthesiologist that comes to his office & brings his own equipment. Wow, sounds great! Then I find out the catch. I have to pay this guy $500 cash up front beforehand. I am unable to get a straight answer from my insurance or dental office as to whether I will get reimbursed for any of it. I did not anticipate this kind of expense since I have insurance. I have checked around & it seems to be common in Southern California.
I had assumed that this was done in a same day surgery type setting. Has anyone else had to pay up front for G.A.?
ps I don't know how old your son is and how much work he needs, but you may want to consider using nitrous and/or oral sedatives, too. If nothing else, they'll be cheaper...
You're not in SD, are you? We had a very good experience with a ped dentist here, who works with Children's and does GA in the office.
I wish that I was in San diego. I would have a lot more options on who I could take him to.
We now have opted in for new insurance beginning in January, a new dental and new medical. Hopefully they will pay.
I wonder where all these other people are coming up with the money for this! I hear other parents tell me about how their kid got dental work done under G.A. The other tell me nitrous & Valium were used. I seem to be the only one that ever asked questions! I am guessing that they all put it on credit cards or are on Medical.
Did I mention that I also have a 2 1/2 y.o. that has three top teeth that need serious work? I am in dental dilemma hell!:
|Trying to chase down payment for all this stuff was a major headache- we got the same answers Amanda'sMom got; dental insurance won't pay for "medical" things and medical insurance won't pay for "dental" things. This such a scam. After this whole debacle we're considering getting catastrophic insurance and dumping the health insurance and just using dh's cafeteria plan to put aside $ for medical stuff. (ok- more than you wanted to know. Don't even get me started on the whole GA thing! )|
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