And if I work more than 30 hours a week, I would usually be entitled to benefits, right? What exactly do people mean by "benefits"? Health Insurance, Dental? Give me general examples.
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You need to check with your employer to make sure you are not a "contract employee". If you are, the risk you are taking is that you will have to pay all your social security and medicare tax (plus any income tax owed) in April 2008. You can pay estimated taxes throughout this year to cover next years taxes. Also, if you are a contract employee, you are considered self employed and would most likely not be entiled to any find of "fringe" benefits, no matter how many hours you worked. One easy way to determine if you are a contract worker is to look at your paycheck stub (if you get one). The statement should show withholdings for SSI and Medicare (sometimes called FICA) and your paycheck is less than the horly wage times the number of hours worked. If you don't see anything like this when you get paid, your probably a contract worker. If you are an employee, the comment about having a risk to owe taxes next April may have been a reation to your W-4 form that you turned into the boss when you got hired. If you put an unusally large number of exemptions, or wrote in the word EXEMPT on the form, you will have very little taken out of your paycheck. Your boss does not know what your individual tax situation will be for the entire year and they will use your W-4 to calculate withholding tax. It's not their responsibility to ensure your taxes are paid, you are! If you are unsure about what you put on the W-4, your boss should be able to tell you what you turned in. I would then suggest you visit an tax preperation firm that also helps with financial advice (like H&R Block, etc.) where they can look at your entire tax situation and help you fill out the form correctly.
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Saturday, April 23, 2011
Anyone Familiar with Minnesota Care health care program/insurance?
I had MN Care, which isn't Medical Assistance through the county, but more like a program for people who are under income guidlines but over the income guidlines for Medical Assistance (free health insurance throught county) for a few months, paid my premiums on time, then my husband was suppose to get new insurance through work and I let my insurance cancel, as in I just didn't pay anymore. Now I want to redo it but I'm not sure if I have to reapply or can I renew? I'm not sure what to do, but I have a LOT of dental work coming up and need this approved ASAP.
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You will have to reapply. Anytime coverage lapses, you will have to reapply for it. Do you currently have insurance with your husband? If you do, it doesn't appear you would qualify any longer. Here is information re: MinnesotaCare: http://www.house.leg.state.mn.us/hrd/pub… and http://www.dhs.state.mn.us/main/idcplg?I… Are you sure you'll be covered under the dental program?
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You will have to reapply. Anytime coverage lapses, you will have to reapply for it. Do you currently have insurance with your husband? If you do, it doesn't appear you would qualify any longer. Here is information re: MinnesotaCare: http://www.house.leg.state.mn.us/hrd/pub… and http://www.dhs.state.mn.us/main/idcplg?I… Are you sure you'll be covered under the dental program?
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I need a orthodontist in Redding California that take Delta Dental?
So I need braces but am having a hard time finding a good Orthodontist that takes my insurance. . . I really need to get my teeth fixed before I turn 18 please help!
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Call the toll free number for Delta Dental and speak to a customer service rep. Ask her to give you a list of their providers for ortho in your area.
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Call the toll free number for Delta Dental and speak to a customer service rep. Ask her to give you a list of their providers for ortho in your area.
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Has anyone had dental scaling done in one visit?
If so, how did you feel afterwards? Were you able to go out and do stuff? I have to get it done and they said they could do it in one or two appointments so I would rather do it in one and get it over with! Has anyone got that done in addition to fillings at the same time? I have to go back on Monday to meet with the billing office so they can review my insurance policy with what is covered and what isn't so just asking in advance if anyone had similar experiences!
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Sounds like you've got a deep cleaning coming. That's exactly what it is, a deep cleaning. They are trying to scrape off the plaque that has gripped your teeth below the gum line. It's done normally in more sessions, one section of the mouth at a time. You may not need that intensity. You can go out after. You will bleed at the office, but just like you bleed if you haven't brushed your teeth in months and give it a try. The gums are clearing out the gunk. It's normal and good. Your insurance SHOULD cover it, but every policy has the potential to be different. It is a deregulated country, after all. Fillings in the same visit? Possible, but we don't usually schedule like that.
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Sounds like you've got a deep cleaning coming. That's exactly what it is, a deep cleaning. They are trying to scrape off the plaque that has gripped your teeth below the gum line. It's done normally in more sessions, one section of the mouth at a time. You may not need that intensity. You can go out after. You will bleed at the office, but just like you bleed if you haven't brushed your teeth in months and give it a try. The gums are clearing out the gunk. It's normal and good. Your insurance SHOULD cover it, but every policy has the potential to be different. It is a deregulated country, after all. Fillings in the same visit? Possible, but we don't usually schedule like that.
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My daughter (4 year old) has a cavity in two teeth . I took her to the dentist and he said it would cost?
My daughter (4 year old) has a cavity in two teeth . I took her to the dentist and he said it would cost $1088 to fix it . I and my husband have dental insurance but did not take dental insurance for both my kids . I did not think a 4 year old would have a dental problem . $1088 is too much for me . Any suggestions
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This dentist wants you to pay $1088 to fix two cavities in what I'm guessing are still primary (or baby teeth) that she will loose in a year or so? More than likely the dentist wants to cap the teeth that have cavities in an effort to preserve the permanent teeth (or adult teeth) still under the gum line. It's a practice many dentist now use (or maybe what they try to "sell" you on) based on removing (pulling) the baby tooth that has a cavity before the adult tooth pushes it out CAN cause the adult tooth still under the gum line to shift, come in crooked or completely mess up the alignment of her adult teeth. What mom wants a child with crooked teeth??? The procedure is to drill out the cavity or rot in the tooth, the hole left is then packed with a temporary filling almost like clay, then a metal cap is fitted and molded over the tooth (much like a adult crown). As her adult tooth comes in, it will push the cap off and usually the baby tooth is pulled by the child in a week. Some dentist will not fill a primary tooth with a permanent filling , stating it's a waste since the child will soon loose the tooth naturally. But how is that any different than the cap procedure other than putting more money in the dentist's pocket. Now if the dentist wants $1088 to place permanent fillings in her teeth, tell him to go make is house payment or alimony payments off someone else. $544 for a child's filling on a primary tooth is not even explainable. For the heck of it, I googled "national average cost to have tooth filled". The national average cost $131. You need to find a dentist who will fill the tooth and prevent the cavity from spreading to the nerve endings and causing her pain. I'm sure there are plenty of parent's at her daycare or your friends who can give you the name of a good dentist who will do the work (on both teeth) for half of the $1088. When enrollment time rolls around get her insured, BUT check with the insurance provider, because many will not cover the cost to cap a primary tooth. Geez, I just had a root canal done on a molar for $945! Good Luck!!
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This dentist wants you to pay $1088 to fix two cavities in what I'm guessing are still primary (or baby teeth) that she will loose in a year or so? More than likely the dentist wants to cap the teeth that have cavities in an effort to preserve the permanent teeth (or adult teeth) still under the gum line. It's a practice many dentist now use (or maybe what they try to "sell" you on) based on removing (pulling) the baby tooth that has a cavity before the adult tooth pushes it out CAN cause the adult tooth still under the gum line to shift, come in crooked or completely mess up the alignment of her adult teeth. What mom wants a child with crooked teeth??? The procedure is to drill out the cavity or rot in the tooth, the hole left is then packed with a temporary filling almost like clay, then a metal cap is fitted and molded over the tooth (much like a adult crown). As her adult tooth comes in, it will push the cap off and usually the baby tooth is pulled by the child in a week. Some dentist will not fill a primary tooth with a permanent filling , stating it's a waste since the child will soon loose the tooth naturally. But how is that any different than the cap procedure other than putting more money in the dentist's pocket. Now if the dentist wants $1088 to place permanent fillings in her teeth, tell him to go make is house payment or alimony payments off someone else. $544 for a child's filling on a primary tooth is not even explainable. For the heck of it, I googled "national average cost to have tooth filled". The national average cost $131. You need to find a dentist who will fill the tooth and prevent the cavity from spreading to the nerve endings and causing her pain. I'm sure there are plenty of parent's at her daycare or your friends who can give you the name of a good dentist who will do the work (on both teeth) for half of the $1088. When enrollment time rolls around get her insured, BUT check with the insurance provider, because many will not cover the cost to cap a primary tooth. Geez, I just had a root canal done on a molar for $945! Good Luck!!
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Did I pay a fair price for a root canal and a crown?
I went to the dentist today because I had a huge abcess in one of my front tooth (insicor tooth). My doctor took an xray and told me I need a root canal. He said the total price for the root canal and the crown was $700. He is experienced and I trust him, I don't have dental insurance so that is what I am paying up front. Any thoughts???
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Wow...if you got a RCT, and a crown for $700 total...that is cheap. Not sure of the geographic location of your dentist, which does have an impact on prices...but I work for a DDS in MD, and we charge $600 for a root canal on a central alone. Then you have to factor in the cost of a post (of which you didnt mention- make sure to ask him whether or not that includes placing a post) which is around $300, and finally the crown which is a little under $1000.00. Word of advice...make sure he places a post (it provides the stability to hold/support the crown since the tooth is no longer vital), and request an all ceramic/porcelian crown opposed to a PFM crown. If you've ever seen someone with that dark/grey outline along their gumline, its from a PFM crown...and if your investing money to save the tooth, you want it to look as esthetically pleasing as possible. Good luck.
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Wow...if you got a RCT, and a crown for $700 total...that is cheap. Not sure of the geographic location of your dentist, which does have an impact on prices...but I work for a DDS in MD, and we charge $600 for a root canal on a central alone. Then you have to factor in the cost of a post (of which you didnt mention- make sure to ask him whether or not that includes placing a post) which is around $300, and finally the crown which is a little under $1000.00. Word of advice...make sure he places a post (it provides the stability to hold/support the crown since the tooth is no longer vital), and request an all ceramic/porcelian crown opposed to a PFM crown. If you've ever seen someone with that dark/grey outline along their gumline, its from a PFM crown...and if your investing money to save the tooth, you want it to look as esthetically pleasing as possible. Good luck.
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Can you only have one wisdom tooth taken out or do they try to get you to do all four?
I'm 30 years old and for over a year now one lower wisdom tooth has been slowly coming in but it is impacted. Can I just have the one removed or will they want me to do all four? I'm not having any problems with the other ones. Are the odds high that the other ones will start to come in too? Thanks! ps - what does it usually cost? I have no dental insurance.
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You can have one taken out. You don't have to have all of them removed. They can recommend that you have all of them removed, but ultimately the decision is yours. If your tooth is impacted, you will likely have to be knocked out in order to have ti removed. I'm not sure what the cost is, but your dentist will discuss that and any payment plans with you upfront before scheduling the procedure. I have only one wisdom tooth that has come in and one that is partial through. I have two that are still under the gums. My dentist told me to have them removed to prevent future problems and that was about 6 years ago. I still have them all and no problems. So, only remove the one that is causing you problems.
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You can have one taken out. You don't have to have all of them removed. They can recommend that you have all of them removed, but ultimately the decision is yours. If your tooth is impacted, you will likely have to be knocked out in order to have ti removed. I'm not sure what the cost is, but your dentist will discuss that and any payment plans with you upfront before scheduling the procedure. I have only one wisdom tooth that has come in and one that is partial through. I have two that are still under the gums. My dentist told me to have them removed to prevent future problems and that was about 6 years ago. I still have them all and no problems. So, only remove the one that is causing you problems.
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