Tuesday, May 31, 2011

How can I convince my husband to let me get insurance?

I have Bipolar. I just got disability in April so I have to wait until April 2011 before I get medicare. I will have to pay $110.00 just for part B and A. Then part D for prescriptions, I am figuring out because that will be my prescription drug coverage and apparently you have to pay $40.00 to $100.00 for that depending who I go with. My husbands insurance will not cover me because of preexisting condition and I have to wait a year. He changed jobs after being unemployed for 2 years since he lost his job from GM. He did not get Cobra because we really could not afford it. In the meantime he got appendicitis and we had to file bankruptcy. I found two great deals through Humana and United Health Care. I want covered if I have a medical emergency. Because we can not file bankruptcy again and we are actually getting our credit score back up! I have enough for my psychiatrist and medication which is important. He has me on a sliding scale (I have paid him enough over 10 years) which I am grateful. I can afford my prescriptions because of Walgreens plan for uninsured individuals. It is great! I wish he would let me get insurance. He did give me the OK to get vision and dental. But I need medical insurance. Then I hear people talk and see commercials on TV that you need supplementary insurance for medicare because apparently medicare does not cover a lot but I would still feel at ease just have that alone. How can I convince him to allow me to get medical insurance? I am at a lost. We can afford it with the quotes I got! Thanks!
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There's no decision or discussion here. His insurance will cover you for anything that is not preexisting, and any other coverage you get will have a similar exclusionary period for the preexisting condition. If you believe that Humana or UHC will cover your preexisting condition immediately, you either misunderstood or were lied to; probably the former.
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Should I be a Dental Hygienist, Sonographer or school teacher?

I want a job that I will enjoy, and gives me the opportunity to work part time. Any one have any advice on these three jobs?? What do you like or dislike about them. How is the pay? The burnout rate???? What about benefits and insurance?? Thanks!!
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I say a sonographer. Someone will always have one done! It's seems fun and somewhat easy. Teachers are great, but what is your tolerance level? As far as the hygienist, I say that would get pretty old fast... You would be sick of sitting there with the dentist surround by teeth every day... Good luck with whatever you choose! It must be nice to have very different career's to choose from... Mine are very limited, such as, maid, chef, slave, trash picker upper, or punching bag.... (stay at home mom of 3 girls)... LOL!
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how do i find a dentist?

hi. im trying to find a dentist who accepts pmi(dental insurance). is there any way for me to find out if certain dentists, accepts that insurance?
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They should have a web site that provides you that info directly. Otherwise, you might want to try one with better customer service. I use http://www.BestDentalNow.com and simply compare plans by entering my zip code and check local providers and payment schedules ... it's easy and simple to use and pay only 20 dollars monthly and save about 50 to 80 percent on most procedures and I get free vision, prescription and chiro plans. Hope this helps!
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I have very bad swelling on the right side of my gum...?

The right side of my mouth the gum is very swollen and sore. I can not however go to a dentist for a few more weeks as I am waiting for my dental insurance to kick in. What can I possible due in the mean time? I know I broke my tooth and thats what started it all in the mean time. It is very painful though but due to financing of a dentist I have to wait for my insurance. Please help me!
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take penicillin V 500mg capsules every 6 hours for 1 week. but its not a cure.it only reduces the abscess and pain. you can have any painkiller such as paracetamol,ibuprofen,mefnamic acid ,etc for your pain.
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Health Insurance UK?

Hi I am looking into taking out some health insurance to cover my optical & dental bills & any extras that are offered. I have a budget of approx £20 per month, any one know any good companies?
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In my opinion Norwich union are by far the best. I work for a financial institution and our staff policy is underwritten by N Union. Hope this helps
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I'm looking 4 a cure 4 bad breath, I'm have a dentist apt next week.?

I floss and brush my teeth 3 times a day and mouth wash. I think I might need a gum cleaning. But I'm afraid of dentist plus I have no dental insurance, looking for a natural cure, any suggestions?
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This isn't natural but I know a couple of people that have had lots of success with BreathRx. Also I would try using a tounge scraper, super cheap and not painfull.
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Help I can't go to thte dentist but I can't take my teeth hurting!?

I have no dental insurance right and will not have any until next month. I have two teeth that are killing me I can't sleep or even fully pay attention during the day it hurts that bad. I can't afford to go to thte dentist. I have been living off an old ( year ago) bottle of 800 mg Ibuprofin but those are not working anymore. Is there some secret remedy , trick I'm desperate. Any advice???
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I would recommend you visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago for all my dental needs and they have saved me thousands of $$$ from Extractions, fillings, xray, exam..etc. They even had my very affordable plan active in 2 hours and was able to use it the very same day. I been there before, I tried to hold off the pain for 2 months and its not worth it.
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Does anyone know how much is a visit to the dentist usually cost?

I have this horrible toothache. I don't know what it is, could be a root canal or I have cavity. The thing is, I don't have any insurance and i don't really have money either but i need to get it check out bad cause it's a constant pain i am suffering from. If anyone know the cost for dental visit, please let me know. Thanks
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Make an appt today. If you are short of cash do what I do. Get the treatment then as you pass the receptionist bolt for the door and yell "Please bill me" Then pay it off in installments. If dentists had any human decency they would allow people the opportunity to be out of pain by offering alternative solutions than to have to pay up front. It is morally wrong that you should be in this position and having to decide whether you can afford to see a dentist or not. Dont mess with your teeth. Make that appt today I have been in your position a few times
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Common for extraction and not a root canal ? regarding cracked tooth ?

no dental insurance so went to the wvu dental school and seemed like they knew what they was doing but the suggested a root canal but when the doctor looked at the x-ray he suggested the tooth be extracted. common ? said tooth was cracked
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The xray will show how far the tooth is cracked...if it is cracked on the root it has to be extracted. You can't get a root canal. Thats why he said it after looking at the xray. An extraction is much cheaper than a root canal. At a dental school that doesn't matter, they just want practice. I would trust the dentist.
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cost of go to the dentist?

hi, i recently moved to the us, so i dont have dental insurance. the problem is that i have braces, so i have to go to an orthodontist, my question is how much would cost me go to the dentist, each month if i dont have insurance?? im living now i IOWA.
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1. First, get the records from the Orthodontist back home. 2. You can negotiate the cost since you are in the middle of a treatment. However, none of the Orthodontist would want to take the responsibility because of the legal liability. 3. You can get in touch with the local dental school to get a discounted price. 4. Some dental schools also offer free Ortho treatment if you go to public school and belong to a low income family and / or don't have any dental insurance. Good luck !!
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Hello from America! Curious about NHS & have a couple of ?

is there a long wait for treatment and appointments? does the NHS pay for braces for crooked teeth? our dental insurance in America is very poor on dental care. thanks :)
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dental treatment is free if you under 18 or claim some kind of benifit, , but its so hard for anyone to get a nhs dentist, some people go private, even kids, and have to pay loads with other health matters , yes doctors / hospital treatment is free , you have to pay for a prescription which is about 7 pounds. for operations there is a huge waiting list , sometimes 10 years for non serious stuff, so some people do go private and get seen quicker. we do have some insurence schemes in place but thats optional hope i helped x
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Can I get the credit I have on file at my dentist office refunded in cash?

Does anyone know if I can get my money back? Last year I had dental surgery and had to pay over a $1000 upfront because the dental office stated it was in case my insurance didn't cover it. Well, my insurance company did. They told me it would be a credit on file for future visits and that it could be transferred between me and my husband. Well, it's been almost a year and we still haven't used it. Plus, we will be moving out of state in Febuary. So I don't see the point in keeping a credit on file that it close to $1100 at an office I will never visit again. Can I get my money back? Or will I have to threaten to sue?Thanks
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Absolutely... Simply walk into the Dentist office, explain the situation as it currently exists, and ask for a full and immediate refund. They can not refuse you your money back. If for some odd reason (like, well that's not our policy) they do refuse you your money back, then simply tell them you will be filing a claim against them in the court of small claims. I am certain you must have some record of the original pre-payment of $1,000, add to that any paperwork you may have from your insurance company proving their payments to that office. If it comes to that you will also be able to recover any court costs (filing fees) as well as payment for the time off you needed to both file the claim and show up in court on the assigned court date. If you have all the necessary paperwork as proof, your Dentist does not stand a chance in hell. This type of thing really steams my bean.. I have long been a fighter or advocate for PRINCIPLE! Good Luck..
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volunteering at a dental office..?

What does a dentist ask for in order to let you volunteer in his/her office. Im going to school to be a hygienist...although i still have a year and a half to go, i want to have experience being in a dental office. But then again would the dentist make an issue of me not having insurance and stuff like that. Also how can you approach these officeses ... Its nerve wrecking hearing from friends that they've been told by the dentist their to busy to train people or they just don't need the help...
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There might be a dental association in your community that many dentists belong to. Maybe they list dentists that like to mentor new people or offer internships? Ask you dentist for a referral
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Dental question?

first, I already know it's best to ask a dentist. It's 11 pm so that will have to wait until morning....Anyways, I need quite a bit of dental work done. I have a calcium deficiency and because of that my teeth will break without warning. I also have a cavity that needs filled, thanks to a tooth chipping where it shouldn't have. Okay, as of now and for the next few months, I am without any type of insurance. Would it hurt to wait a few more months to go to the dentist is would it be better to set up a payment plan and have them done now?
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In our area, there are doctors and dentists who help those for free. You may want to check to see if you have the same in your area. If not, see if you can work out a payment plan with a dentist. Sometimes if you make regular payments on time, they will give you a percentage break and you do not have to pay the whole amount, but you have to show an honest effort. In the meantime, start taking calcium supplements, drink more milk, and rinse with hydrogen peroxide. Also, get a little vitamin D by going outside in the sun for about 15 minutes a day. Stop drinking sodas and sugar-laden drinks, and drink through a straw.
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Looking for Dental help?

I am 24 female I have no insurance and I am in dier need of some dental work I am in pain every day I have tried every home remidy there is and I am still in pain I can not afford to pay a dentist alot of money and and I can not get approved for any kind of credit cards or dental credit cards and althoght i have a cyst on my brain I am not eligible to get any kind of disablity benefits or help through dentist that work with the disabled so I am looking for a dentist that is willing to make payment arragements with me or a dentist that is willing to do some pro bono work or even some where that does work on a sliding scale I no this is a long shot but I am in pain everyday I can't sleep, I can bearly eat I just don't know what else to do please if anyone can help I would greatly appreciate it weather it be with information or ect. Thank you and God Bless I live in oklahoma
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Check out this website. They have helped me save alot of money on my dental work. I have had it for a couple of years now, And have been completely satisfied. Its very inexpensive, but will save you alot of money. Good Luck
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Looking for Dental help in Oklahoma Tulsa or Muskogee area PLEASE?

I am 24 female I have no insurance and I am in dier need of some dental work I am in pain every day I have tried every home remidy there is and I am still in pain I can not afford to pay a dentist alot of money and and I can not get approved for any kind of credit cards or dental credit cards and althoght i have a cyst on my brain I am not eligible to get any kind of disablity benefits or help through dentist that work with the disabled so I am looking for a dentist that is willing to make payment arragements with me or a dentist that is willing to do some pro bono work or even some where that does work on a sliding scale I no this is a long shot but I am in pain everyday I can't sleep, I can bearly eat I just don't know what else to do please if anyone can help I would greatly appreciate it weather it be with information or ect. Thank you and God Bless
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Good Shepherd Health Clinic of Muskogee - 321 North Virginia, 687-0511 The clinic, a joint initiative of the St. Joseph Catholic Church and St. Paul United Methodist Church, provides health services to the poor who lack medical coverage in the Muskogee area. Last year the clinic served over 500 patients, utilizing volunteer doctors, nurse practitioners, RNs, pharmacists, and vocational nurses. Providence Radiology & MRI Association and Muskogee Diagnostic Imaging provide clinic patients with imaging and x-ray services; local pharmacists partner with the clinic by offering prescription medicines at cost. The clinic also offers free dental services and legal consulting. Good Shepherd's goal is to improve clients' quality of life through an increase in health, self-esteem, and Christian support. Good Luck to you!
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I'm 19 w/out health insurance, How much do you think i'd have to pay for a tooth extraction?

Hello, My name is Kiara, im 19 in the state of Maryland & i have no health insurance. Im unemployed & basically my life is a wreck ='( I have a tooth (upper right back side, second to the last tooth to be exact) tht has a huge decaying hole in it, and it has been giving me pain lately. Also a new irritating sypmtom is when i brushed my teeth & rinsed w/ water, my gums had a burning sensation & im so devastated.. my question is how much do you guys think removing the tooth would cost w/out insurance & if you know of any low costing dental care in MD please help me! ='(
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Medical Discount Plan ideal for those who cannot afford or qualify for traditional health insurance. The companies offer discounted health services for a quite low monthly fee. Benefits include a range of discounts for doctors, hospitals, dental, vision, prescriptions, vitamins, as well as other health services. I would like to suggest you get as much information as you could before taking action,here    www.HealthInsuranceIdeas.info   is a good place for that.
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Can I be refunded for a crown that doesn't fit properly?

I live in NJ. In March 2006 I had a dentist crown one of my teeth. I thought everything was fine, until I went to a new dentist last week. He took the usual several x-rays of my mouth and found a problem with that crown. Apparently,it isn't covering my molar properly and he said that it is imperative that it be replaced before it causes big problems (a future root canal in that tooth). Can I be refunded the money for that crown from the dentist that did it? Do I have ANY recourse?? I don't have dental insurance so I put the previous charges on my Visa card. What can I do - if anything?!?!
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i would make an appt to go see the dentist who placed the crown, take the x-ray with you, simply show him to him/her and ask if there is anything wrong with it? If he has an actual x-ray that he took after placing the crown and it appears the crown was fitting fine and now it's not (he should show you this), then that is different. However, if he never took an x-ray after he placed it and the crown has an open margin, then he should replace it at no charge. If he says nothing is wrong with it, point to where you were told there was a problem and see what he says. Let him know that you are willing to let him re-do the crown, but he most prob won't give you your money back unless you make a really big fuss. Or if you don't trust him to work on you tell him that you are going to have the crown re-done elsewhere and you think it would be ethically responsible of him to cover the bill of the new crown. Just be diplomatic and understand the details of your treatment; the new dentist may be just trying to make a buck as well, be well informed.
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TMJ and Jaw Popping - At home treatment?

My jaw has been popping in and out of place for the last few days. It is rather painful, and often times my mouth will not shut fully (teeth to teeth) unless it goes through a painful pop. I would love to go to a dentist, but I don't have dental insurance and really can't afford to pay for treatment out of pocket. Does anyone have suggestions on ways to treat this myself? I'm avoiding gum and chewy hard foods already. Thank you so much, everyone!
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If professional treatment is simply out of the question, you can nurse this along at home for some degree of relief. I am not a huge advocate of drug store appliances, but I recognize their place for individuals such as you who just can't afford proper treatment. If you twist your ankle, you might decide to take it easy for a few days and you might even use a set of crutches that you happen to have from a previous injury. You have to rest the joint and allow it time to heal. That's common sense. If you try this for a few days and nothing gets better, you give up the idea and go to the doctor. With that introduction, let me say that I have never seen you and I have not diagnosed your condition. I am not telling you that this is the proper solution for your problem. I am simply giving you an overview of what might work in many cases as a temporary home measure. If you attempt this and find that things get worse instead of better, discontinue it immediately and seek professional help. If you find that this helps a little, but it is necessary for you to continue this home treatment for an extended period of time, you should also consider that you have more than a simple soft tissue injury and seek professional help. Okay, my disclaimer and the background information are complete. Go to the drug store and look for the TMJ appliance or bite guard that has a pad on the left and right for you to bite on. In short term, emergency care, this design will be much more effective and less likely to cause damage than the kind that fits over all of your teeth. Buy this appliance and read the label directions and follow those directions. Here is a home therapy routine that is good to use in conjunction with wearing the above appliance, but it might give you some relief even without the appliance. 1. Run some fairly hot water into your bathroom sink. 2. Soak TWO washcloths in the water. 3. Squeeze most of the water out of the washcloths and apply them to your face in the area of your TMJ just in front of your ears. 4. Every minute or two, wet the washcloths again, squeeze them out and apply to your face as above. 5. After about 15-20 minutes of this routine, you need to stretch out your joints so they don't "freeze up" on you. 6. Look in the mirror and make funny faces. Yes, that's what I said. Move your chin to the left and then to the right, about as far as you can. Repeat this several times, for about 5-10 seconds. Open and close your mouth several times. Jut your chin forward and plop it back where it belongs repeatedly. 7. Start the face-making all over again and repeat this for several minutes until the skin over youth TMJ's is back to normal temperature. 8. After you have done this therapy, wear the TMJ appliance for at least half an hour, if not all night for sleep. Repeat that routine 3 times a day, evenly spaced through out the day. Your morning session could be done using warm water in the shower, for instance. If you have had popping for more than about 6 weeks, you are not going to make it go away. You might get the pain to go away, but you will not get the noise to go away. As with any other joint injury, you need to take it easy on your TMJ. You would do this by being careful about what you eat. Avoid tough, chewy foods or hard things, like hard candy or pretzels. Avoid opening your mouth to any excessive opening. Before you bite a sandwich, for instance, smash it down so that you will not have to open any more than about one inch to get it into your mouth. Consider cutting a sandwich or any other food into small bites. Continue all of this with care and caution for at least 3 or 4 weeks. If you do not have considerable relief by then, you may have actual damage to the structures of your TMJ and you will need professional help. If you feel like your teeth don't come together properly after completing a home therapy session, you need to have your bite evaluated by a competent dentist. Good luck and please, use good sense.
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COBRA INSURANCE QUESTIONS?

I was laid off back in Ocotber 08 and opted to not do COBRA. Now it will be affordable so I will do it. My questions are: If its not retro-active then does the one year dental period have to start over to be able to take advantage of the higher costs of such things as crowns? Is COBRA basically the same insurance benefits as the company provided its employees? Thank you for your help!
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Under the stimulus bill, a new Cobra election pweriod will be offered for those people who were involuntarily laid off and did NOT elect to take COBRA. You will have to pay back premiums. Here's a nice explanation provided by one of my carriers: Employers must offer an additional COBRA election period to any individual who became a qualified beneficiary due to involuntary termination on or after September 1, 2008, and who would be eligible for the reduced premiums if he or she were enrolled as of the effective date of the Act. The additional election period must be offered to individuals who previously declined COBRA coverage as well as to individuals who elected and then terminated COBRA coverage. It is important to note that individuals who previously declined COBRA coverage or elected and terminated it have another opportunity to elect it under the new premium arrangement.
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Six year old had loose tooth, Daddy yanked it with string...?

It had been loose for approx. 3 weeks, driving her nuts. We yanked it out. Couple days later a little white tooth nub shows up behind where the baby tooth was. Do adult teeth come in that fast after a baby tooth is gone? Could it be a piece of her baby tooth that didn't get pulled loose? It doesn't appear to be wiggly. Just curious as our dental insurance doesn't kick in for another month...
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More than likely it is the new tooth coming in that fast, in fact my son has had new teeth PUSH the old one's out. I took him to the dentist after one particularly gruesome baby tooth falling out epsiode and the dentist said that there was some root left in the gums, but not to worry, it would fall out in it's own time and the only times to really be concerned were if there was pain....
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emergency dental services in SJ, CA?!??

Any suggestions for emergency dental care in the San Jose, CA. area? I have no medical/health insurance, & just lost my job last week! I'm concerned that this may be an infection moving into the jaw bone...
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I emailed you directly in case you check that first. Here is the information I sent you...I hope it helps! Go to http://www.mybenefitsplus.com/bigsavings Click on locate a provider to verify coverage in your area and then click on Join Now. You will get a member number right then that you can take to any of the authorized providers and get immediate savings at the dentist. It will cost you $11.95 a month.
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Health insurance?

i need health insurance that is affordable to me. i am willing to spend 30-100 dollars a month. i just basically want something to cover my dental and doctor . it can be network far as i car i dont really need ppo. i also want it to cover some of my presciption.
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If you are looking for private health insurance, you will never find insurance for that little of money. You are looking at several hundred dollars per month just for insurance that will cover medical. Even then, you will probably have a copay and deductible. If you are working for an employer and not needing private coverage, you will still be paying more than you are willing to spend.
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