Not a rant as much as an annoyance:
TheKid got her braces off in June. Whoo hoo! I have just finished paying $3900 out of pocket for them, as neither dental insurance I pay for covered them. Upon the braces being removed the orthodontist took a lovely panoramic x-ray of her head and noted that we really should have have her examined by an oral surgeon for removal of all four impacted wisdom teeth as soon as possible. The two upper ones are growing into the roots of her molars. One on the bottom is close to erupting.
Insurance being what it is (again, note she is double covered for dental - a basic plan as an adjunct to our medical insurance AND a dental alone policy through the union), we couldn’t just make an appointment with an oral surgeon, despite being under the care of a dentist. Both insurances stated as her orthodontia was done as part of the School of Orthodontics at the UofM that she wasn’t really being seen by a dentist. Erm, they are dentists first, but okay. Make an appointment with a “regular” dentist.
She goes in with the panoramic xray. They still take bitewing xrays. No big whoop. The dentist looks only at the bitewing xrays and says her wisdom teeth are no big deal, can wait a year, blah blah - I direct him to the panoramic. “OH! No, never mind. You should make an appointment quickly” sigh
So off we go today to the oral surgeon. First annoyance: Appointment at 345, she wasn’t seen until 455. Second annoyance: Notes all around the room about how dangerous oral surgery can be. Freak TheKid out. Great. Third annoyance: Doctor didn’t ask her to take her retainer out - he pulled it out, scratching the roof of her mouth pretty good.
Biggest annoyance: Along with the two dental insurance plans, I also have a medical expense account (which is run through the medical insurance company). SO. In going over how much all of this will cost, I noted that I had spoken with the MEA people and I can withdraw from my account to cover what is necessary, but they need to know upfront how much to have pulled. In the past what I have done is: The dental office calls the dental only insurance people, find out what is/isn’t covered. They then contact the dental/medical insurance company to see what of what is left they cover. It gets written up, sent to the MEA office and they send payment.
Nope. I have to have 22% upfront ($550) out of my pocket. No matter if the dental only insurance covers 90% of the entire surgery. No matter the balance should be paid by the dental/medical insurance and if not, it can be withdrawn from the MEA.
Her appointment is in two weeks. She stated IF they have time to figure it out they will, but I should still plan on having $550 on me. I said that I would call the insurance companies to find out the info - no, we need to do it. I don’t have $550 to bring with. Yeah, I could charge it, incurring financing fees and possibly interest while waiting for the various insurance companies to figure out what to do.
Blech.
On the plus side - her surgery is before school starts, so no time off for her and I will have to miss a mandatory meeting at work.