Do you know any good dentists in this area. I have a dental phobia (seriously) and I have 2 cavities that were taken care of awhile back. One of my fillings fell out and I am in a ton of pain because there's a small hole in my tooth. I have Aetna health insurance with dental, IDK how much it even costs out of pocket if they don't take it. I just want the best for a coward like me, lol.
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Our dentist takes Aetna and is a very gentle and has a calming personality. I had a severe dental phobia from a very traumatic dental experience as a child and this dentist has been very accommodating and makes sure to take his time with every procedure and explains in detail what he is doing and how it will feel to you. I hadn't been to the dentist in nearly 10 years because of my fear of dentists and while he gave me a bit of a hard time about it, he listened to my concerns and made sure I was comfortable during the entire procedure. His name is Steven J. Koehler. His phone number is 223-6101 and his website is www.smilefortcollins.com With our Aetna plan each filling was between $60 and $125 out-of-pocket. The depth of the filling and the work required to get them out will determine the price. I had to have an old filling pulled out and a new one put in and it was $90. They also do all the processing for you, so you just have to fork up your co-pay and go home and nurse your sore mouth. Good luck. I hope you like Dr. Koehler as much as we do.
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Monday, June 27, 2011
Received dental work I didn't want. I told them I didn't want uncovered procedures, they did it anyways.?
Recently, I went for a dental checkup. When the dental assistant was about to give me x-rays, I told her I didn't want any procedures that weren't covered. She seemed to take note of it. Then about 10 minutes later she was giving me $200 worth of x-rays that weren't covered, which I discovered when I received my bill. She told me AFTER the fact when I called to inquire that knowing what the insurance covered was my responsibility. This seems like a total scam that a professional would do something like this. Do I have a leg to stand on to dispute this?
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It's pretty bad business, but the insurance is your responsibility. A dental office deals with so many different plans and coverages, it's impossible to know what's covered and what's not covered for each individual. You have to stay on top of it, not the dental office.
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It's pretty bad business, but the insurance is your responsibility. A dental office deals with so many different plans and coverages, it's impossible to know what's covered and what's not covered for each individual. You have to stay on top of it, not the dental office.
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Pet Insurance Selection Help?
Hi, I recently brought my 7 year old female chihuahua home and now I am shopping around for insurance. For those of you with "older" dogs, which provider and plan do you recommend? My dog is in great health (albeit, she can stand to lose a pound). I think I am leaning towards getting her VPI Superior Plan with Well Care Premier. It includes everything from her getting hit by a car and broken bones, to developing cancer, to the basics (like dental cleaning and vaccinations). It seems like a good idea to get all of this but for the dental cleaning and vaccinations, do you think I am just better off paying out of pocket for those procedures (I've never had a dog before so I would not know)? Does she even need dental cleaning if I scrap her teeth myself?
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I use VPI for my dog. My husky is 6 years old and my pitbull/bull mastiff mix is 3. www.petinsurance.com I did about a whole year of research and found them to be the best. they are one of the only insurances that do exstensive cancer care. meaning after the regular 6 month coverage if you have the exstensive cancer care package ( only a few dollars extra month) they will help take care of it for the remaining life of the dog with up to i believe 15000 in cancer treatment. THere in only a 1 time 50 dollar deductible per incident so if you have to go back for the same incident once you only have to pay th 50 one time. and they give you back 90%. THey give you a quote and everything. they even have discounts for any additional pets. they also are the only pet insurance I know about that cover exotic pets like rabbits birds lizards and theyre service is international. As well as you choose your vet they dont have certain places. of course there are some rules no hereditary or pre exsisting illnesses but if your dog is healthy like you said there should be no prolem. and they are really inexspnsive.
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I use VPI for my dog. My husky is 6 years old and my pitbull/bull mastiff mix is 3. www.petinsurance.com I did about a whole year of research and found them to be the best. they are one of the only insurances that do exstensive cancer care. meaning after the regular 6 month coverage if you have the exstensive cancer care package ( only a few dollars extra month) they will help take care of it for the remaining life of the dog with up to i believe 15000 in cancer treatment. THere in only a 1 time 50 dollar deductible per incident so if you have to go back for the same incident once you only have to pay th 50 one time. and they give you back 90%. THey give you a quote and everything. they even have discounts for any additional pets. they also are the only pet insurance I know about that cover exotic pets like rabbits birds lizards and theyre service is international. As well as you choose your vet they dont have certain places. of course there are some rules no hereditary or pre exsisting illnesses but if your dog is healthy like you said there should be no prolem. and they are really inexspnsive.
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Know of any Insurance that covers my list?
Eye Exams, dental, pregnancy/maternity, prescriptions, doctors visit
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Blue Cross, Aetna - check your yellow pages for Medical Insurance companies.
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Blue Cross, Aetna - check your yellow pages for Medical Insurance companies.
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Is pet insurance worth getting?
I have asked a couple of questions already regarding pet insurance, but I just want to flat out know if it would be worth getting or a waste of money? I have 9 (8 right now but will be getting an australian shep. puppy soon to make 9 total) animals but only 8 that are eligible to be on pet insurance. They are: A 5 yr old dachshund, 7 yr old dachshund mix, *soon to have* 9 week old australian shepherd puppy, 3 yr old cat, 2 yr old cat, and 3-1 yr old cats. Every month I buy flea treatments and heartworm prevents. And once I get my aussie puppy I will have to get her the puppy shots and the whole 9 yards with her. The two that I am leaning toward are: *ASPCA pet insurance and the plan I would get would be the Level 4 Coverage which covers accidents, illness, wellness and wellness deluxe-which would cover the flea and heartworm products. It has an annual deduc of $100 which will only have to be paid once a year per pet...not incident. A max incident benefit of $5,000. And a max yearly benefit of $13,000. 80% reimbursements. And it would cost me around $526/mo. *VPI pet insurance and the plan I would get would be the Superior w/ CareGuard Premeir & Enhanced Cancer. It would cover common problems (vomiting/diarrhea, allergies, upper respiratory, skin infections, etc), panic-moments (hit by a car, attacked by an animal, foreign body ingestions, heat stroke, seizures, etc), expensive problems (back problems, cancer/tumors, cataracts, feline leukemia, etc), routine care (deworming, vaccinations, flea & heartworm, FELV/FIV tests or heartworm tests, etc), additional care (dental cleaning, spay/neuter, etc) and enhanced cancer care which increseases the policy's reimbursement benefits. This plan has a $50 per incident deductible. It would cost me around $348/mo for all of them to be on this plan. *Which do you think would be better? Or like I asked before, would it be worth it to even get pet insurance? Thanks!
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Picking an insurance plan: While cost of the premium is an important factor to consider, you must make sure that any plan you pick has good coverage. Getting a pet insurance plan without good coverage will leave you unprotected. Let me start out by saying that you want to purchase a plan that covers accidents/injuries AND illnesses. The illness part of the coverage must include: 1) Coverage for Cancer 2) Coverage for Chronic Disease Chronic diseases are illnesses that have long duration and generally slow progression. Chronic diseases are usually not curable. Examples include: cancer, heart disease, chronic kidney disease, and chronic liver disease. 3) Continual Coverage for Chronic Disease If you do not get this coverage, the chronic disease will only be covered in the policy year it was diagnosed, after that, you will have to pay for any continuing medications or diagnostic monitoring yourself. Treatment for most Chronic diseases will last beyond the first year of diagnosis. 4) Coverage for Hereditary & Congenital Diseases 5) Coverage for Diseases that are Common to your Pet's Breed Health issues that Australian Shepherds are prone to include (but are not limited to): Hip Dysplasia, Progressive Retinal Atrophy, Collie Eye Anomaly and Juvenile Cataracts (all of which are hereditary/congenital). Health issues that Dachshunds are prone to include (but are not limited to): Intervertebral Disc Disease (IVDD), various hereditary/congential conditions, hypothyroidism, and Cushing's disease. ASPCA does not provide coverage for congenital or hereditary conditions including hip dysplasia. Also, you must purchase Continual Chronic Disease Coverage as an add-on (It doesn't come as part of the Level 4 plan). Hypothroidism and Cushing's disease are considered Chronic diseases. VPI provides limited congenital/hereditary coverage, including NO coverage for hip dysplasia. In my opinion ASPCA and VPI will not provide you with the coverage you need based on the breed of your pets. They may have been cheaper compared to other plans, but they are cheaper due to the limitations in coverage. Is Pet Insurance Worth It: The sole purpose of pet insurance (or any insurance) is to offset an unexpected, financial hit. Whether or not pet insurance will save you money in the end depends on whether or not a costly medical problem arises during the life of your pet. Costly financial hits in veterinary medicine come in the form of: 1) Emergencies (e.g. Fractures, Accidental Poisonings, Foreign Body Ingestion, etc) 2) Chronic diseases (e.g. Heart Disease, Liver Disease, Cancer, Chronic Kidney Disease, etc) 3) Sudden, Severe Diseases (e.g. Pancreatitis, Leptospirosis, etc) The costs will vary based on geographical location. Big cities tend to have higher vet costs than rural areas. Start by asking your veterinarian "what is the highest cost you can expect from the three scenarios above". In big cities, these "Worst Case Scenario Costs" can range from $3,000 - $10,000. I have seen a case where the bill reached $20,000, but at this time this is more of the exception rather than the rule. If you can afford the costs out of your own pocket (using credit cards, savings, friends, etc) then you may not need pet insurance. If you cannot afford the costs, then pet insurance may be something you want to continue exploring. Hope this helps :-)
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Picking an insurance plan: While cost of the premium is an important factor to consider, you must make sure that any plan you pick has good coverage. Getting a pet insurance plan without good coverage will leave you unprotected. Let me start out by saying that you want to purchase a plan that covers accidents/injuries AND illnesses. The illness part of the coverage must include: 1) Coverage for Cancer 2) Coverage for Chronic Disease Chronic diseases are illnesses that have long duration and generally slow progression. Chronic diseases are usually not curable. Examples include: cancer, heart disease, chronic kidney disease, and chronic liver disease. 3) Continual Coverage for Chronic Disease If you do not get this coverage, the chronic disease will only be covered in the policy year it was diagnosed, after that, you will have to pay for any continuing medications or diagnostic monitoring yourself. Treatment for most Chronic diseases will last beyond the first year of diagnosis. 4) Coverage for Hereditary & Congenital Diseases 5) Coverage for Diseases that are Common to your Pet's Breed Health issues that Australian Shepherds are prone to include (but are not limited to): Hip Dysplasia, Progressive Retinal Atrophy, Collie Eye Anomaly and Juvenile Cataracts (all of which are hereditary/congenital). Health issues that Dachshunds are prone to include (but are not limited to): Intervertebral Disc Disease (IVDD), various hereditary/congential conditions, hypothyroidism, and Cushing's disease. ASPCA does not provide coverage for congenital or hereditary conditions including hip dysplasia. Also, you must purchase Continual Chronic Disease Coverage as an add-on (It doesn't come as part of the Level 4 plan). Hypothroidism and Cushing's disease are considered Chronic diseases. VPI provides limited congenital/hereditary coverage, including NO coverage for hip dysplasia. In my opinion ASPCA and VPI will not provide you with the coverage you need based on the breed of your pets. They may have been cheaper compared to other plans, but they are cheaper due to the limitations in coverage. Is Pet Insurance Worth It: The sole purpose of pet insurance (or any insurance) is to offset an unexpected, financial hit. Whether or not pet insurance will save you money in the end depends on whether or not a costly medical problem arises during the life of your pet. Costly financial hits in veterinary medicine come in the form of: 1) Emergencies (e.g. Fractures, Accidental Poisonings, Foreign Body Ingestion, etc) 2) Chronic diseases (e.g. Heart Disease, Liver Disease, Cancer, Chronic Kidney Disease, etc) 3) Sudden, Severe Diseases (e.g. Pancreatitis, Leptospirosis, etc) The costs will vary based on geographical location. Big cities tend to have higher vet costs than rural areas. Start by asking your veterinarian "what is the highest cost you can expect from the three scenarios above". In big cities, these "Worst Case Scenario Costs" can range from $3,000 - $10,000. I have seen a case where the bill reached $20,000, but at this time this is more of the exception rather than the rule. If you can afford the costs out of your own pocket (using credit cards, savings, friends, etc) then you may not need pet insurance. If you cannot afford the costs, then pet insurance may be something you want to continue exploring. Hope this helps :-)
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Use of full sedation for dental surgery in children with autism...?
My 11 year old has autism and is totally non compliant with the dentist beyond a basic cleaning. He has some issues that need to addressed and the only way that will happen is in a pediatric OR under full sedation. Our dentist is wonderful, but we know our insurance company will turn down the full sedation (they only cover it if children under the age of 5). We are planning to appeal as there is no other way to do the needed work. I had been told at one time that since our child has diagnosed special needs that would make working on him in a tradtional way impossible, the insurance company must cover the costs. If anyone has any idea on where to look or a link to a site that discusses this topic, I would appreciate it. We live in MD, in case it is a state by state issue, Thanks so much!
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I've been in the same boat. My son is autistic Dental wouldn't cover anything performed at a hospital and health wouldn't cover anything dental. We were looking at about $6000 to fill 3 cavities - all out of pocket. It took getting the dentist to write a letter of necessity for services to both companies and it took many calls on my part. The companies were most uncooperative. I kept questioning why they were discriminating against my son. I guess that worked - they didn't like me using the "D" word and soon agreed to pay between both companies about 80%. It sucked and took a long time and they fought it tooth and nail. I'm with a different employer now and under a different plan. I wouldn't take the previous companies coverage again if it was free because of their attitudes toward the disabled and their needs. They have no idea how much things like this negatively impact their image. Weasels....
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I've been in the same boat. My son is autistic Dental wouldn't cover anything performed at a hospital and health wouldn't cover anything dental. We were looking at about $6000 to fill 3 cavities - all out of pocket. It took getting the dentist to write a letter of necessity for services to both companies and it took many calls on my part. The companies were most uncooperative. I kept questioning why they were discriminating against my son. I guess that worked - they didn't like me using the "D" word and soon agreed to pay between both companies about 80%. It sucked and took a long time and they fought it tooth and nail. I'm with a different employer now and under a different plan. I wouldn't take the previous companies coverage again if it was free because of their attitudes toward the disabled and their needs. They have no idea how much things like this negatively impact their image. Weasels....
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Health Insurance question?
Ok, in the past I made the mistake of purchasing a health insurance (I neede it one because I was pregnant) Now, i want to do some yearly exams, and here in Florida we have an option (miami). I am a little clueless about insurance info. Would you please read this and let me know what all means? what it covers>? specialist? what is the co payment total CYD + 10%? Thanks Cost Sharing Calendar Year Deductible (CYD) (per person / family aggregate) $250 per Individual Coinsurance (Amount you pay) 10% of allowed amount Out-of-Pocket Maximum (per person / family aggregate) $2,500 per Individual Calendar Year Deductible (CYD) for Dental Benefits (per person / family aggregate) $0 Deductible Other Benefits Physician Services $50 maximum applied towards the visit Well Child $50 maximum applied towards the visit E-visits $50 maximum applied towards the visit Urgent Care Centers $50 maximum applied towards the visit Rx Benefits - Retail Generic drugs: $10 Copayment Brand name and non-preferred drugs: discount only Rx Benefits - Mail Order Mail Order: Generic, Brand Name, & Non-preferred Drugs are not covered Inpatient Hospital Facility Services (per admission) CYD + 10% Coinsurance Physician Services at Hospital & ER CYD + 10% Coinsurance Independent Clinical Lab $0 Copayment Outpatient Hospital Facility Services (per visit) CYD + 10% Coinsurance (surgical and related services only) Dental Benefits $50 towards the visit for basic and preventative care Emergency Room Facility Services (per Visit) $500 + CYD + 10% Coinsurance (for non-surgical services only) CYD + 10% Coinsurance (for surgical services or admissions)
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This policy seems to have many restrictions and maximums. Makes me wonder what else is restricted in the fine print. This might be OK depending upon what you need and what the premium is for the policy compared to other major medical plans. You should contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. They can answer all of your questions and can explain what you get and, more importantly, what you don't get with the policy. There is no extra charge using an agent.
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This policy seems to have many restrictions and maximums. Makes me wonder what else is restricted in the fine print. This might be OK depending upon what you need and what the premium is for the policy compared to other major medical plans. You should contact a local agent that works with all of the major companies in your area. The agent can work with you to find the best plan for your situation and budget. They can answer all of your questions and can explain what you get and, more importantly, what you don't get with the policy. There is no extra charge using an agent.
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