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Dental Insurance Update

March 3rd, 2022 at 10:00 pm

So My dental bill as you know was like $4k. I paid $500 on a credit card because as I was walking out they said you need to pay $500.  I was like well shouldn't we wait for the bill?  They said no.   They said they would refund me if I overpaid but it would take months to sort it out so they wanted a deposit.  I have no idea if this normal but what choice do I really have right?

So now I saw that for one of the days (I went 2 days for the root canal) my responsibility is $86.05.  I'm not sure what the other portion is but I'm wondering will I see my money?  Do I call and say I saw that half of the bill settled?  Do I keep waiting until I see the other half of the bill settled?  Why is the later day settled but not the first day?  

EOB is

Billed $1532

Negotiated $671.51

Paid $774.44

responsibility $86.05

Um okay.  So now what?

As a side note my younger child got braces and I paid $3k this time OOP because she only needs the top braces 1st round.  My older child had upper, lower, and frontal headgear (not normal) and I paid $6k.  I don't know if this is the norm but seriously no I shopped around to 3 people and all were the same price.  Even better is the lack of orthodontia coverage.

Anyway I kept the headgear just in case that tiny piece of equipment was $1500 alone.  They told me to keep it and maybe I could reuse it or my DK might need it.  What can you do?

Last year our insurance paid out $25239 for March to December.  Our portion?  $1081.95.  Not bad.  Our premium for the March to December was $2581.40 for medical and $244.90 for dental.  I don't know what the megacorp paid for the first two months except they paid $5041 DD box 12.  So I don't recall what we paid.

Tomorrow an update on my car insurance and accident.  

3 Responses to “Dental Insurance Update”

  1. Carol Says:

    It is very common to put some money down for a root canal. ( Also common is to pay for the root canal and then to pay more for the crown you need after the root canal.) Usually, the dental bills get all squared away and the insurance kicks in properly. ( my experience)
    You might ask about whether you are grinding your teeth or otherwise causing the need for a root canal. You can get a " night guard" to help with grinding. I wish I had known this last thing earlier.

  2. LivingAlmostLarge Says:

    I've been wearing night guards since childhood. I have broken about 5 of them. I have also got a new different NTI style this month. I currently have 2, one and a backup. I already had a crown, which I don't know if you read was last year's debacle. I had about 6 crowns done. Sigh.

  3. rob62521 Says:

    Never had dental insurance, I can't tell you what is normal, but can tell you if you pay out of pocket, the dentist will not even touch you until you pay for it upfront for a root canal.

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