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Offline franksolich

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primitive needs a little help
« on: March 03, 2015, 04:47:17 PM »
http://www.democraticunderground.com/114214567

Oh my.

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Booster (10,011 posts)    Tue Mar 3, 2015, 01:49 PM

I need a little help and/or advice. I'm 72 & am having major dental problems. I went to my dentist and they drilled out cavities on 4 teeth and put on temporaries while they ordered crowns & said they would call for a follow-up visit to install the crowns.

They sent a claim to my dental ins carrier for over $7,000, and when I confronted them with this claim, they said that was normal procedure to see what the ins carrier would pay. I got angry & said to the girl "and that makes sense to you?" and she said it made perfect sense to her. I said "so you're telling me I should get a lawyer" and she said I could easily find one on the internet.

Also, after being in the chair almost upside down for 3 hours, they talked me into applying for a Smile Generation loan, which is like a credit card for dental work with no interest to pay & you just make monthly payments. I agreed to apply & was accepted.

I admit I was tired, confused and angry & did not totally understand everything that was going on. Then I got a statement from Smile Generation saying I owed over $5000 & needed to pay the monthly charge now.

My question is what do I do now? Should I get a lawyer and/or contact my state Dental Board. If I need a lawyer, what kind of lawyer am I looking for. Oh, and it's been over a week & they have not contacted me re: a follow-up visit. I get the feeling they would like for me to go away. Any help/advice would be greatly appreciated.

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NV Whino (17,400 posts)    Tue Mar 3, 2015, 02:34 PM

1. Most of those "no interest" loans have a limited time for no interest
 
Read the stuff carefully. Have no idea about the attorney.

And it sucks that dental insurance pays so little. I feel your pain and frustration.

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Booster (10,011 posts)    Tue Mar 3, 2015, 03:28 PM

6. I admit I was stupid & in no shape to read that stuff correctly.
 
I wish Obamacare had included something about dental insurance and hope maybe that will be next. thank you for your empathy. I was considering going to Mexico where dental expenses are 70% less than the U.S., but then I read where they kind of do the same thing, like telling you that you need more work than you actually do which is the same thing they do here so decided against it.

It seems the dental industry has you by the gonads and there's nothing you can do about it.

Oh now.

The primitive obviously doesn't know Doc, the PCIntern primitive, who's a nice guy.

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IADEMO2004 (1,846 posts)    Tue Mar 3, 2015, 02:34 PM

2. 3yrs ago my crown cost $1200.00 in SW iowa and dental ins. pd half.
 
Dentist told me the cost before starting. Sounds like questions should be asked. Good Luck.

I have three seniors in nursing homes and I get many offers for dental care for them at $160-180/ month. How is that for a good deal? Nursing home costs have devoured their savings and real estate and when Medicaid starts dental eye and hearing are covered.

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DURHAM D (20,677 posts)    Tue Mar 3, 2015, 02:40 PM

3. What is your question?
 
You had dental work done and you are scheduled for more. Crowns are expensive.

Many dentists make you file your own claims as they won't file for you. It is also up to you to determine what your insurance will pay for, not the dentist.

If you think your temps will last for the rest of your life don't return for the crowns. That should save you a lot of money. 

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Nay (7,568 posts)    Tue Mar 3, 2015, 02:40 PM

4. It's been a while since I had a crown put in, but $7000 for 4 crowns sounds about
 
what I was charged, adding in inflation. It may be slightly high, but.....

First, I would call your insurance company to see what an adjustor thought of those charges. You will get an idea if it was high, low, or in between. From what you said, it sounds like the ins company paid $2000 of your $7000 bill?

They have to give you a followup appointment because you need those crowns! Generally, they will call you when the crowns are delivered to the office, and that can take up to 2 weeks. It won't hurt to call to find out if the crowns have arrived yet.

As far as the payments, look on your Smile Generation paperwork; it should tell you exactly what your payment schedule is.

What exactly makes you think that you need a lawyer? Do you think the charges are way too high?

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Booster (10,011 posts)    Tue Mar 3, 2015, 03:05 PM

5. The reason I thought I might need a lawyer is because they
 
sent a claim for over $7000 to my insurance before the work has been done. That seems like a false claim to me. In what other case would you send a claim to an insurance company for work that hasn't been done?

The chronically-helpless primitive who won't clean out her furnace chimney, as it would cost money, and she doesn't like to spend money:

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Paper Roses (5,488 posts)    Tue Mar 3, 2015, 03:46 PM

7. For reference, read my post in thread indicated below.
 
What a rip-off, I feel for you. It may not be a help now but check this out for the future.

The info. is relevant for anyone who does not have a dental plan or insurance of some type.

http://www.democraticunderground.com/11831153
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apres moi, le deluge

Milo Yiannopoulos "It has been obvious since 2016 that Trump carries an anointing of some kind. My American friends, are you so blind to reason, and deaf to Heaven? Can he do all this, and cannot get a crown? This man is your King. Coronate him, and watch every devil shriek, and every demon howl."

Offline obumazombie

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Re: primitive needs a little help
« Reply #1 on: March 03, 2015, 04:49:41 PM »
Free dental care is a basic human right.
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Offline DumbAss Tanker

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Re: primitive needs a little help
« Reply #2 on: March 03, 2015, 05:07:45 PM »
There actually is an "Older Americans Protection Act," a legacy of the Clinton administration, I believe, which actually makes it fairly difficult to absolutely stick an  elderly person with contracts or agreements they've signed.  Being a 72-year-old moonbat, the poster is probably to whiny and helpless to nadin it and find out for himself, though.
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Offline GOBUCKS

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Re: primitive needs a little help
« Reply #3 on: March 03, 2015, 05:13:13 PM »
Whether it's on your car or your teeth, who has extensive work done without knowing the out-of-pocket cost up front?
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Offline Carl

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Re: primitive needs a little help
« Reply #4 on: March 03, 2015, 05:17:22 PM »
Sheesh,they leave so many details out of their tales of woe it is hard to know what really happened.
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Offline dane

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Re: primitive needs a little help
« Reply #5 on: March 03, 2015, 05:39:04 PM »
I have been seeing the same dentist for years, and have had the same insurance for years as well.  Before the dentist does any work (other than cleaning), I get a printed copy of what the procedure is, the total cost, the insurance share, and my out of pocket cost.  This statement from the DUmmy makes no sense, based on my experience
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They sent a claim to my dental ins carrier for over $7,000, and when I confronted them with this claim, they said that was normal procedure to see what the ins carrier would pay
I also have a booklet that lists a multitude of dental procedures along with the percentage the insurance will pay for each.
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Offline Delmar

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Re: primitive needs a little help
« Reply #6 on: March 03, 2015, 06:02:31 PM »
Quote
My question is what do I do now?

Tell the dentist that you changed your mind and now you don't want the teeth and then he can chisel them out.
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Offline obumazombie

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Re: primitive needs a little help
« Reply #7 on: March 03, 2015, 06:04:17 PM »
Quote from: Delmar on March 03, 2015, 06:02:31 PM
Tell the dentist that you changed your mind and now you don't want the teeth and then he can chisel them out.
That seems a bit harsh.
What about a do it yourself kit ?
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Offline franksolich

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Re: primitive needs a little help
« Reply #8 on: March 03, 2015, 06:05:41 PM »
Quote from: GOBUCKS on March 03, 2015, 05:13:13 PM
Whether it's on your car or your teeth, who has extensive work done without knowing the out-of-pocket cost up front?

A primitive.

Any primitive.
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Offline JohnnyReb

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Re: primitive needs a little help
« Reply #9 on: March 03, 2015, 07:17:52 PM »
Quote from: Delmar on March 03, 2015, 06:02:31 PM
Tell the dentist that you changed your mind and now you don't want the teeth and then he can chisel them out.
Gummit dammit.
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Offline HawkHogan

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Re: primitive needs a little help
« Reply #10 on: March 03, 2015, 07:42:50 PM »
Maybe the Dummie should have taken care of it's teeth.
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Offline GOBUCKS

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Re: primitive needs a little help
« Reply #11 on: March 03, 2015, 08:17:26 PM »
Quote
Booster (10,011 posts)    Tue Mar 3, 2015, 01:49 PM

I need a little help and/or advice. I'm 72 & am having major dental problems.

I wonder if anyone's reminded of DUmmy ThomWV, who wore a necklace consisting of all his own natural teeth, extracted at zero cost by ThomWV himself.

Though he had countless thousands of posts, ThomWV was quickly forgotten by the DUmp after dying three or four years ago.

He was dismissed more quickly than a roadkill armadillo, not even listed in the Dead DUmmies forum. Maybe he was a Jew.
 
His fate will likely soon be that of the Bellevue Big Guy (who is dying).

Anyway, DUmmy ThomWV is still the face of DUmp dentistry, even if he's forgotten by the DUmp.
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Offline delilahmused

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Re: primitive needs a little help
« Reply #12 on: March 04, 2015, 03:27:48 AM »
I've never been to a dentist that didn't tell me what the charges would be up front and how much the insurance would pay. The have people in the office who deal with insurance day in and day out. You're free to look elsewhere for a cheaper dentist or postponing all or part of the work you need done. And if you're trying to say they did all this without your knowledge, you're a damned liar.

cindie
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Offline dixierose

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Re: primitive needs a little help
« Reply #13 on: March 04, 2015, 11:15:29 AM »
Quote from: delilahmused on March 04, 2015, 03:27:48 AM
I've never been to a dentist that didn't tell me what the charges would be up front and how much the insurance would pay. The have people in the office who deal with insurance day in and day out. You're free to look elsewhere for a cheaper dentist or postponing all or part of the work you need done. And if you're trying to say they did all this without your knowledge, you're a damned liar.

cindie

Same here. The dentist even set up a payment plan with me before anything was done.
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