Here is my issue, I have an alright job but I have no insurance. I don't have enough to afford my own insurance either and budget is very tight. I need to find some very cheap dental care or a dentist who offers a good payment plan. If anyone knows of anything, please let me know. Thanks!
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Why don't you go to the State dental school? You will get excellent work done very cheaply. Most dentists have payment plans. They still are a little hard on budgets.
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Friday, June 10, 2011
What to do with Insurance Premiums?
I was doing a tax problem and I got stuck at this part, I know I can deduct Daniel and Darcy 8600 of medical expenses on Line 1 of schedule A, but I don't understand what to do with the insurance premium "Daniel and Darcy and their children had $3,200 of medical expenses and $5,400 of dental expense that were not covered by insurance (The family's insurance is provided by Darcy's employer as a part of her fringe benefit package. The value of the insurance premiums for 2008 is $14,500)" just stuck with that to do with the 14,500 of insurance premiums, where do they go on the 1040 ?
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Insurance premiums for medical care provided by your employer are not deductible on Schedule A as an itemized deduction. Also you cannot deduct insurance premiums paid with pretax dollars because the premiums are not included in your wages (Box 1 of your W2). Only premiums paid with after tax dollars can be deducted as itemized deductions. Remember that medical expenses must exceed 7.5% of AGI to be included in the Schedule A total. Sue from H&R Block This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more.
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Insurance premiums for medical care provided by your employer are not deductible on Schedule A as an itemized deduction. Also you cannot deduct insurance premiums paid with pretax dollars because the premiums are not included in your wages (Box 1 of your W2). Only premiums paid with after tax dollars can be deducted as itemized deductions. Remember that medical expenses must exceed 7.5% of AGI to be included in the Schedule A total. Sue from H&R Block This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more.
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$10,000 worth of dental work.... is it worth it?
My husband came home from the dentist to let me know he has to have $10,000 worth of dental work done and that is after insurance pays for what they will. My jaw dropped! He has bad teeth and didn't really go to the dentist as a teen (his mom never took him) and the last 4 years he has not had insurance. He is 22. They are wanting to put 8 crowns in, 2 root canals, and some resin stuff from what I remember the paper saying. My question is, Is it even worth it? Or should he just get dentures? His whole family has a history of bad teeth. From his grand parents down, they all have dentures on both sides of his family from poor teeth. His dad is the only one that has his real teeth.
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Because he is so young, I think the 10,000 would be an investment. Root canals will save his those teeth. I understand your delima though, honey. 10 grand is a lot to wrap your head around . Maybe getting a second or third opinion would help, because some dentists will tell you there's problem that HAS to be fixed when there isn't even a problem at all. For example, I was told once I had 8 cavities, and the next dentist I went to only found 1. But because he's 22, I think the best choice is to get a few more professional opinions and then try to work on getting the problems corrected. and if its more cost effective, and he's okay with the idea, dentures could be the way to go. But dental health is far more important than people seem to realize (myself included) and if if these problems aren't corrected, it could potentially cause other health problems for him later on down the road. I say get a few more opinions, and see if the prices vary.
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Because he is so young, I think the 10,000 would be an investment. Root canals will save his those teeth. I understand your delima though, honey. 10 grand is a lot to wrap your head around . Maybe getting a second or third opinion would help, because some dentists will tell you there's problem that HAS to be fixed when there isn't even a problem at all. For example, I was told once I had 8 cavities, and the next dentist I went to only found 1. But because he's 22, I think the best choice is to get a few more professional opinions and then try to work on getting the problems corrected. and if its more cost effective, and he's okay with the idea, dentures could be the way to go. But dental health is far more important than people seem to realize (myself included) and if if these problems aren't corrected, it could potentially cause other health problems for him later on down the road. I say get a few more opinions, and see if the prices vary.
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New Age Dental's Dr. Richie Lerias aka Mommy Dearest?
Has anyone ever had a Dentist go off like Joan Crawford from Mommy Dearest? I have been going to Skokie New Age Dental for castings and molds for a complete set of dentures. I've ask questions such as what Dental Lab do you use and what are the steps for extractions? Each time the dentist Dr. Richie Lerias has been offended and given me answers such as."Why are you asking?", "I'm a professional and I use a professional Lab." "I extract teeth professionally." "Don't be a problem." My dentures and extractions will cost over $3,000.00 and I will have to live with the dentures for at least ten years. As well as it's my mouth and money so I feel I should be able to ask all the questions I want and they should be answered with a smile. Well when the final upper denture were made I noticed black spots and a hair had been cured onto the surface of some of the teeth! When I questioned these things Dr. Richie Lerias told me he would give me the address of the dental lab and I could take the denture there and ask them to fix it. I was shocked. Now he'll tell me the name of the Dental Lab and wants me to solve this issue! I said to Dr. Richie Lerias, "I'm paying over $3,000.00 and you want me to solve this problem?" Dr. Richie Lerias responds, "The lab will charge me if they have to replace a tooth and I'm not paying for that." "You can hardly see the hair anyway." I told him these are not $10.99 dentures and for the money I'm paying I want the dentures as perfect as possible. If you buy a new car at a new car price, you don't want dents and dings on the frame do you? Well his response was to show me what a male Joan Crawford would look like. His eyes glazed over. He ripped off his protective lab cover, roughly peeled off his gloves, slammed the dentures on the counter and yelled "I will not have you criticize my work! I'll keep these teeth and refund your money!" At that point I'm all for it. I don't want Mommy Dearest anywhere near my mouth. He might use a wire hanger for the extractions! I rush off to the restroom (stress makes me need to go) and when I came out of the restroom, Dr. Richie Lerias was standing there with the Dental Assistant and the receptionist Monica to confront me Again and remind me that HE WILL NOT HAVE HIS WORK CRITICIZED!! Stay away from Dr. Richie Lerias at SKOKIE NEW AGE DENTAL, MORTON GROVE NEW AGE DENTAL and PALENTINE NEW AGE DENTAL unless you want teeth with hair and want to get in trouble with Mommy Dearest aka Dr. Richie Lerias. I'm giving the Managing partners a day to respond to my complaints, and then I'm reporting this to the American Dental Association, the Illinoiss Dental Association, The Better Business Bureau and Aetna Insurance my insurance company. Has anyone else ever experienced this type of situation and what did you do? If this happened to you, what would you do?
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Well its actually the labs fault so he should have said so and then tried to follow it up himself or the patient can go directly and sort it out, most dentists go for the former although the latter is not a no no. The fault lies with the lab actually and should be sorted out by them.
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Well its actually the labs fault so he should have said so and then tried to follow it up himself or the patient can go directly and sort it out, most dentists go for the former although the latter is not a no no. The fault lies with the lab actually and should be sorted out by them.
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I can no longer where dentures because of bone loss, Any ideas?
I think when a dentist tells you, to start thinking of dental implants, because of bone loss, that Health Insurance should then cover it. What do you think? Mine said, only if there was an accident.
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I have always been amazed at how insurance companies get away with separating dental and eye care from other medical issues. In my opinion, bone loss is a disease process that should be covered. Now, guess who cares what I think????
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I have always been amazed at how insurance companies get away with separating dental and eye care from other medical issues. In my opinion, bone loss is a disease process that should be covered. Now, guess who cares what I think????
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Insurance for the self-employed.?
My husband is self employeed and we are looking for an insurance plan that will cover medical for the family, dental & vision. But we don't want to go bankrupt trying to get affordable insurance.
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OK, the average family plan costs about $1200 a month. Not including dental and vision - which for the most part, cost more than they pay out. If you want to take a big deductible, you can cut that premium down. But if you're looking for a $300 a month plan, for the whole family, it's not out there. It doesn't exist. You should talk to his agent, and get a referral to a health specialist, to get an idea of deductibles vs. premiums in your area.
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OK, the average family plan costs about $1200 a month. Not including dental and vision - which for the most part, cost more than they pay out. If you want to take a big deductible, you can cut that premium down. But if you're looking for a $300 a month plan, for the whole family, it's not out there. It doesn't exist. You should talk to his agent, and get a referral to a health specialist, to get an idea of deductibles vs. premiums in your area.
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Is it possible to recieve free medical care?
I just got into an accident and I dont have any health insurance. I got pretty banged up and my bills could total $10,000. Does anyone know of any programs out there that can help or provide free medicare? Or is there anything from the state or federal funding that is available to me?? I need oral surgery done and some dental work so i need something that is going to cover that aswell. Any help would be great!
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Every state has different laws to be eligible for Medicaid, so check with almost any hospital for the rules. It will depend on income level and property you own, or any thing else of value.
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Every state has different laws to be eligible for Medicaid, so check with almost any hospital for the rules. It will depend on income level and property you own, or any thing else of value.
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