I STILL can't afford to see a doctor. I went to my family doctor back in September because I knew I had a sinus infection. As per usual, I was told that no - I, in fact, did not have one. Went back the very next day feeling worse. Voila! I do have a sinus infection! Now I'm $209 in debt. Great. I can't pay that. My insurance plan has a $2500 deductible. I can't pay that. Ever. I make less than $10,000 a year after taxes. So, my insurance is utterly useless unless I land in the hospital. I also can't find an affordable clinic (and I mean under $50) to visit.... and now I fear that I have a UTI, which is something I must see a doctor to get taken care of. Where do I go? What do I do? Is there cheaper insurance out there with Rx coverage and dental coverage? I currently pay a little over $100 a month with the aforementioned $2500 deductible. Is there a clinic in SE MI that I can afford that will see me with less than a 5 hour wait? Or less than a 5 month waiting list for an appointment? I mean... Seriously... WTF do I do? I'm pulling my hair out just trying to see a doctor to get some antibiotics.
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And they keep telling us we have the best health care in the world?!? Check with your local social services department. They may be able to direct you to locally funded clinics.
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Thursday, May 26, 2011
Need a dentist, but have no insurance.
I need some major work done on my teeth but have no insurance. I also had to file bankruptcy 2 years ago and have no credit. Is there a dental group or dentist that would do work with a monthly payment plan or something. I need 2-3 thousand dollars worth of work. I have a good job and long employment history. Would that be helpful. I live in the Sacramento, CA area.
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Hello, try this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved thousands of $$$ since. From root canals, crowns, braces, xrays..etc. All services are included in this very affordable plan. Also, try to work out a payment plan with the dentist, that worked for me when I got my braces. They even had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.
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Hello, try this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and have saved thousands of $$$ since. From root canals, crowns, braces, xrays..etc. All services are included in this very affordable plan. Also, try to work out a payment plan with the dentist, that worked for me when I got my braces. They even had my benefits active in 2 hours and was able to use it the very same day. Hope this helps.
Source
Do you have a right to your dental x-rays?
I went to a dentist last year.I had a plan "A" & a plan "B".for fixing my teeth.I had asked him to please submit both plans seperately for pre-estimate to my insurance company. both plans were put together and extractions weren't listed .i called after waiting awhile.to asked if they would seperate & re-submit the plans to my insurance company.i really needed to what debt i would owe.( i had to have carpal tunnel surgery on my right hand in '06) i wanted to be sure i could pay my part for both teeth and hand. .well, i waited & waited.i finally called my insurance company a month later.and they said they never re-submitted the plans.So,as "07 i had to find a new dentist & start all over again.but the first dentist i pay my $50 deductible and about $200.00 for one extraction. i felt i had no choice but to extract the really bad tooth.and go on with the hand surgery. I could wait for the pre-estimates any longer.Do i know have a right to ask for my x-rays,they don't need them?
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Michael is pretty much on the money with one exception. The new dental office CAN NOT request copies for you legally. That is part of the HIPAA law. Some offices will do it for you but most will ask you to either call or might even have a pre-printed fax sheet to send that you would have to sign. Thats how i do it. As far as charging for copying of xrays, the law clearly states that a reasonable fee may be charged to duplicate. The law also clearly states that outstanding balances DO NOT need to be paid off prior to copying. A lot of offices will hold balances over your head. Get your films and get another opinion.
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Michael is pretty much on the money with one exception. The new dental office CAN NOT request copies for you legally. That is part of the HIPAA law. Some offices will do it for you but most will ask you to either call or might even have a pre-printed fax sheet to send that you would have to sign. Thats how i do it. As far as charging for copying of xrays, the law clearly states that a reasonable fee may be charged to duplicate. The law also clearly states that outstanding balances DO NOT need to be paid off prior to copying. A lot of offices will hold balances over your head. Get your films and get another opinion.
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WI. was able to give full health care coverage to every Uninsured worker & their families,It can Work?
The Governor raised the cigarette tax $1.** and used the tax $ to cover every uninsured worker and their kids, This is Full insurance coverage including Dental.It even paid to build new dental centers state wide. It is working well here and could for the country. Would you approve of Gov. Paid insurance coverage if the tax $ came from a Cigarettes tax?
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Sure it can work. But I agree it shouldn't be the cigarette tax, that's already as high as it can go in many places without causing bootlegging and it puts a burden on low income people who are more likely to smoke.
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Sure it can work. But I agree it shouldn't be the cigarette tax, that's already as high as it can go in many places without causing bootlegging and it puts a burden on low income people who are more likely to smoke.
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If you have full insurance, how much do you need to pay in hospital bills for a birth?
I had my first child, and was living in Arizona, and qualified to be on the state assistance, AHCCCS. I had a full-time job but still qualified, because I didn't "make enough money" and I was single (engaged). My husband and I got married when our daugther was 5 months old, he works for the state of Arizona so he has excellent health insurance coverage--it covers medical, vision and dental for ~$150 a month. We were just able to add our daughter, I am not able to get on until open enrollment which is in November. I am trying to think of how much we will have to pay in hospital bills... I never saw even the first birth amount, the only thing I saw was the $1500 epidural bill, but that ended up being covered by insurance. I had an appendectomy while still covered on that insurance (no, I haven't been on it for about 8 months now because I don't qualify anymore) and that bill was $30,000. I don't know why I didn't see the first hospital bill? Any ideas? We are getting used to the idea of another child, but he wants to see how much insurance will cover first. Hope this kinda makes sense and isn't too rambled lol. Thanks, kind answers only!! :)
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you need to contact your insurance company. NO ONE can answer how much the insurance would cover since EVERY insurance is different! i have $15 office visit co-pays, but lab work, ultrasounds and things like that are no cost to me. I also do not pay anything for delivery or hospital stay.
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you need to contact your insurance company. NO ONE can answer how much the insurance would cover since EVERY insurance is different! i have $15 office visit co-pays, but lab work, ultrasounds and things like that are no cost to me. I also do not pay anything for delivery or hospital stay.
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Health Insurance...?
I need health insurance which is good and not expensive, good dental coverage ... what would you advise?
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Health insurance and Dental insurance are two separate policies, however, some companies will have dental as an option. The bad news for you is good insurance is not cheap and cheap insurance is not good. You can find policies that are not as expensive as other policies but you will give up benefits. With insurance you get what you pay for. Contact a local agent that works with all the major companies in your area. The agent can find the best policy for your situation and budget. There is no extra charge using an agent. There is no way to recommend a policy for you here. Policies are different depending upon your state, even from the same company, and your needs will determine which policy you get.
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Health insurance and Dental insurance are two separate policies, however, some companies will have dental as an option. The bad news for you is good insurance is not cheap and cheap insurance is not good. You can find policies that are not as expensive as other policies but you will give up benefits. With insurance you get what you pay for. Contact a local agent that works with all the major companies in your area. The agent can find the best policy for your situation and budget. There is no extra charge using an agent. There is no way to recommend a policy for you here. Policies are different depending upon your state, even from the same company, and your needs will determine which policy you get.
Source
Are there any real big consequences for not going to the dentist,even if you have no cavitites/other problems?
I know someone who hasn't been to the dentist in like 11 years. They have insurance through their job, but the insurance is poor and the deductibles are high. The person brushes and flosses regularly, and has no known dental problems, not even cavities.
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Tell your friend to see his dentist. Even with regular care of your teeth, bits of food and plaque can build up onto your teeth over time until it gets really bad. Your friend needs to get better dental insurance. Look around, I come from a low-income family, yet I have dental insurance. Tell your friend to get it done.
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Tell your friend to see his dentist. Even with regular care of your teeth, bits of food and plaque can build up onto your teeth over time until it gets really bad. Your friend needs to get better dental insurance. Look around, I come from a low-income family, yet I have dental insurance. Tell your friend to get it done.
Source
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