My dad needs final restoration (consisting of 5 procedure codes/modules) after a root canal theraphy on his molar.... His annual coverage is $1500 and he had used up about $960.... I am expecting that his dental coverage remaining for the year will not pay all of the contract price. The situation is that the remaining coverage will probably cover the contract price of 3 and 1/2 procedures modules.... The insurance company says it's up to the provider to decide what they will charge if you go over the annual limit of $1500, but from their observation, most providers tend to just charge the contract price so that patient ends up paying the contract price and plus the co-insurance instead of the actual non-contract price. Has anyone had experience or opinion with this kind of situation where you expect you will run over the annual coverage limit? Both the patient and provider perspectives are appreciated. Thanks.
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healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.
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Wednesday, July 6, 2011
Absessed Tooth- No insurance..Pls help!?
My back molar has been broken for quite some time now and I was supposed to go over a year ago to have it removed.. Well, I never went because I was deathly afraid to go to the dentist. Now, obviously Im paying for it. As of yesterday, The gum surrounding my tooth had a dull pain to it, and I woke up this morning with my throat swollen, my gums are swollen and it hurts like you know what. I cant go to Urgent Care without insurance or they will expect me to pay flat out.. Same with my local Health department, who offers dental services to low income families... However, I just spoke with them and they said I would have to apply for a medical card, which I have tried to do, and I need a paper signed that is next to impossible to get signed. SO basically.. Cant get a medical card right now, cant go to urgent care.. Am I just going to have to go the ER? I know they cant turn me down, and Im not looking for pain medicine, I just want some antibiotics to take the infection away.. My tongue is constantly rubbing on it and Im pretty sure its killing me. :'( It hurts soo bad. I have no problem paying for my prescriptions.. I just need to get one.. Unless there is an OTC product I can buy that is similar to Penicillin or Amoxicillin? Ugh, please help.. I cant miss work to go to the hospital, but Im so desperate.. If I go to the ER, what will they do? Are they going to cut my gum to let it drain? If so, does that hurt really bad? Probably cant hurt much worse than what it does now..
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Go to the dentist and get this fixed like you were supposed to in the beginning. Don't burden some physician who really can't help you in the first place. It's not going to get better. I read the question. I guess I don't know what you are expecting anyone to do. No one can fix this except a dentist. You've known for a year or so that you should have gotten this taken care of and now you're starting to face the consequences. Go to carecredit.com and try to get some credit so you can get this taken care of. All the physician is going to say is "here are some pain meds, go to the dentist." It's not going to cost you $700 to have a tooth taken out anyways. Maybe $200.
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Go to the dentist and get this fixed like you were supposed to in the beginning. Don't burden some physician who really can't help you in the first place. It's not going to get better. I read the question. I guess I don't know what you are expecting anyone to do. No one can fix this except a dentist. You've known for a year or so that you should have gotten this taken care of and now you're starting to face the consequences. Go to carecredit.com and try to get some credit so you can get this taken care of. All the physician is going to say is "here are some pain meds, go to the dentist." It's not going to cost you $700 to have a tooth taken out anyways. Maybe $200.
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How can I get more insurance to go along with my current plan?
I currently have pretty good health insurance with 10 dollar co-pays etc. But I want even more for my son psychological visits I have to pay an additional 20% above the copay. I was wondering if there is "gap insurance" out there for people who already have a decent policy. I cannot buy up in my current plan through work until next May and really do not want to wait. Nor do I want to pay another 200-400 dollars a month for merely a little extra gap coverage for reimbursement on the copays and the 20% extra that I have to pay on top of my sons psych visits. Can anyone expound on this for me? I went onto Aflac's site and there "Gap coverage" is extremely specific (hospital confinement coverage, dental etc) . I just want a broad coverage type deal that will work in conjunction with my already decent plan. thanks community for any suggestions or thoughts that you have.
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You can get a supplemental insurance that will cover your cost shares. Call any of the major insurance companies (regence, premera, aetna, cigna, blue cross, etc.)and tell them what you need and they should help you find a policy that works for your specific needs. Good Luck
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You can get a supplemental insurance that will cover your cost shares. Call any of the major insurance companies (regence, premera, aetna, cigna, blue cross, etc.)and tell them what you need and they should help you find a policy that works for your specific needs. Good Luck
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I seriously need help with poorness and dental emergency... please read sorry for length?
I haven't seen a dentist since I've been an adult. I'm 25 years old. I just got fired on the 9th. I live with my mom and she makes like $500 a week but isn't responsible for me and doesn't have money for my stupid teeth. I barely even have $30 but my teeth are killing me. Part of one of the back top ones fell out during the summer, but it's actually the one or two on the bottom row that are sooo painful.. I have been up crying not able to sleep. Before it happened once or twice, but this time the pain didn't stop the next day. I don't know what to do. I took like 10 ibuprofen yesterday and it was still killing. My mom gave me some expired antibiotics but I think they helped cuz it hurt less.. but I also smoked a bunch of pot which helped with the pain. I try not to take ibuprofen ever and I try not to smoke pot either but I'm stuck.. I've read through some older questions on here and other places online but thought someone might have a real option for me.. well first the pain.. anything else aside from what I've done? I have toothpaste for sensitive teeth and mouthwash that is natural and has herbs n stuff.. I used the mouth type orajel stuff but I think it made it hurt more.. I tried to rinse it with warm water and salt last night but it hurt horribly!! I used both iodized and sea salt so maybe one of them isn't good for it? please I feel like I'm going crazier.. As for my options as I said I don't barely have $30 I could use since I was just fired.. I checked out the dental student facilities but they require payment up front! and it's only like 1/2 off or so for a student to work on you.. I applied for badgercare, supposedly insurance for poorer people but it didn't let me get any benefits plus there's a waiting list.. Also, I would be willing to pay in payment plans, But since I don't have a job right now will any place let me?? I would prefer if they would try to save any of my teeth if they could.. I have no idea how many are afflicted, if all 4 would need to be taken out.. this is the back 4 on the left side. I already had two, my third to last ones, on the bottom taken out when I was 14, the last time I saw a dentist or doctor.. and it was cuz I was a minor on some poverty thing like badgercare in another city. oh my gosh well thank you for reading all of this wow I'm sorry... I really need help though I already have mental issues to deal with (ocd, anxiety, depression) that I'm trying to get over so this is threatening to bring me back to one of those dark icky places again... lol geez I better stop now...
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If you can't afford the school in your area then the next option would be to see if there is a charity clinic anywhere. None of the medications and things you are trying are going to make things any better. Even if the pain eventually stops it doesn't mean your teeth are better. It just means the nerve has died due to the severity of the infection and you need to see a dentist even more. You need to have root canals and possibly extractions done by a dentist. Decay only continues to get worse and spread. If you have to just go to the emergency room. Some dental offices will let you finance the work and make payments. Just call around and see what can be done. Good luck!
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If you can't afford the school in your area then the next option would be to see if there is a charity clinic anywhere. None of the medications and things you are trying are going to make things any better. Even if the pain eventually stops it doesn't mean your teeth are better. It just means the nerve has died due to the severity of the infection and you need to see a dentist even more. You need to have root canals and possibly extractions done by a dentist. Decay only continues to get worse and spread. If you have to just go to the emergency room. Some dental offices will let you finance the work and make payments. Just call around and see what can be done. Good luck!
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As a dependent on my mom's health insurance, do I have to be accompanied by her?
My mom is going to put me as a dependent on the new health insurance her company is switching over to. I'm 19, and as I will be covered by dental and such, I wanted to know if I have to be accompanied by my mom to any appointment/evaluation I go to using her health insurance? I'm sure most of you, like myself, would like to go to these appointments alone since I wouldn't want my mom in the room watching me get braces or waiting for the doctor. Is there something I can do to go alone and still "use" her insurance? I still live at home and go to school.
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You can go alone for most things. You do not need her to accompany you for any things. For a small number of things, you need someone, although it does not need to be her, because it is not safe to go drive home alone when they finish.
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You can go alone for most things. You do not need her to accompany you for any things. For a small number of things, you need someone, although it does not need to be her, because it is not safe to go drive home alone when they finish.
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How is consent proved (or the lack of it) in dental practice?
I understand that "informed consent" is required for all dental procedures. That is, the dentist shall ensure that the patient is supposed to be informed of the procedures he will perform, the risks and the cost. But in practice, at least for minor procedures, there is rarely a consent form signed. So, when is it considered that the patient gave consent in case a conflict arises? Who takes the risk when this is not done formally or informally with proper information? For example, a patient goes for a regular cleaning and the dentist bills a "full mouth debridement" which has double the cost and is not covered by insurance, without that been clearly explained. Can the patient claim he never gave consent? (and win in court with that argument if he gets to that point) All responses welcome, but please indicate if yours is just an opinion or if you have real knowledge from the dental or legal perspective.
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I sign a consent form prior to all procedures in both my general dentist's and my periodontist's office. All prospective procedures are explained to me in advance. Find another dentist who has decent ethics.
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I sign a consent form prior to all procedures in both my general dentist's and my periodontist's office. All prospective procedures are explained to me in advance. Find another dentist who has decent ethics.
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Cheap/Affordable way to get braces?
I'm a sophomore in college and I really want to get braces. I would prefer to get the invisalign so no one can tell, but at the same time, make my teeth straighter. Since I'm in college, I really don't have the finances available to pay out right. My pa suggested some time of dental insurance but I'm not finding anything. Anyone out there know of a good cheap way to get braces? Do you have a nice dental plan you can tell me about? I found one place that offered "low monthly payments" but there is no way I can afford 222$ a month!
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Here is the dental plan I use. They help with braces, cleanings and everything in between. http://www.dpbrokers.com/17862.dp
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Here is the dental plan I use. They help with braces, cleanings and everything in between. http://www.dpbrokers.com/17862.dp
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