I swear, we have the worst dental insurance in the world. It barely pays anything on standard stuff (cleanings, x-rays, etc). Hence....the reason that we almost always owe the dentist something. Both the kids' dentist and our dentist have been terrific in letting us pay as we go, and have NEVER said anything about the balance. We just pay something every month, and it slowly chips away....until the next visit when it goes back up.
G-man has terrible teeth, so he goes 3x a year for a cleaning. I have great teeth, so I go once a year (I figure it balances out....sort of giving him my second cleaning). Since our insurance only pays $16 a cleaning, I am trying to save money.
Well, I have had a tooth that has been bothering me for several weeks. VERY sensitive. I was hoping it wasn't a cavity (I have NEVER had a cavity....see, I have great teeth). But as the discomfort grew, I decided I better have it checked out.
Several mini tests and an x-ray later.....I have a cracked tooth. If I had to guess, it happened about a month ago when Bossy was having a tantrum and hit is head into my jaw.
I need a root canal and a crown. And possibly a "build-up" but they can't determine that until they are ready to do the crown. Our insurance covers NOTHING. NOTHING. The wonderful office staff (we have been going to this office for almost 9 years, and have gotten to know them), checked our insurance, and just had this forelorned look on their face when they gave me the quote.
Root Canal - $891
Crown - $985 (with a $200 deposit due that day for lab expenses)
Build up - $200
I think I stopped breathing. For someone who has only ever had a cleaning...to drop over two grand on ONE tooth. Good grief. Unfortunately, this isn't something that can wait. I need to be on antibiotics for the start of an infection, and unless I have it done, the infection will come back and could get worse.
The office staff said they will continue to work with us on the balance, and as long as we keep doing what we have always done, we will never get a call from them.
Here is the thing....we have a Flexible Spending Plan. Our FSA will cover it. Of course, that is over half of the $4,000 we elected for the year, so our FSA will run out that much sooner. The only small silver lining....at $5,000 we hit our out-of-pocket max, and the rest of the year we don't have a co-pay for anything. Based on our regular usage...that would be sometime late summer. So from Sept-Dec, we wouldn't have any medical co-pays.
But still....$2000......UGH. They will still submit the claim to our insurance on the chance they will pay something. We looked at our plan book last night, and it wasn't even listed. Cleaning, X-rays, fillings. That was it.
In a Dental recap.....Sassy broke her tooth July 2011. G-man had an abscess in Fall 2011. Now Mysti has this Feb 2012. Less than a year, and 3/4 of our family has had dental issues. And we already know that Bossy needs braces....
Can I just scream????
ETA: I called around, and this is the going price for this work. I called my dentist and asked if we paid cash, could they do a discount. They said they could do 15%. So when I have the root canal done next week, I will take the money from EF to pay for the work. Once we get the FSA reimbursement, it will go back into the EF. This will save us $134 on the root canal. It is better than nothing.