Dental/Dentist/Insurance Question?
So maybe I am a person that loves to gather money but so what...I simply don't want to spend money on the things that we don't need to.
Two yrs ago my DH spent over 7K on his teeth (deep cleanings, porcelains, etc). Well now they want more money because apparently they call for to perform the same procedure on the put money on teeth which they didn't do before. I am 6 months pregnant, we're planning for me to stay at home after the baby so we're trying to put aside as much as we can. My open enrollment at work starts in July so I can donate DH to dental and he'll have another $1500 to use but I am going on maternity after that so the coverage will one and only be in July and not after that since we won't take Cobra for it then.The dentist refused to bill the insurance for it and demanded my husband pays cash because it take 3 months to pay or something ands aid that DH shouldn't wait till July.
I don't have a sneaking suspicion that its true, I think he just desires upfront money and not have to wait. What are your thoughts?
Answers:
I would ecourage you to look in this site: http://healthsavings.ourperfectcard.com I signed up online over 3 years ago now for all my dental requirements and they have saved me thousands of dollars throughout the years. From my Braces, exams, xrays, cleanings, crowns...etc. Cosmetic surgery is also included as is the teeth whitening. All services are included within this great plan. They even had my very affordable plan influential in 2 hours and able to use it indistinguishable day. Good Luck and Hope this Helps
1. Have your DH get a second view.
2. The turnaround time for payments from dental insurance companies is 45 days, not 3 months, by law.
3. A pre-estimate can be sent in so you'll know what the out-of-pocket expenses will be.
4. While you're on motherliness leave from your job, your insurance cannot be terminated.
5. CONGRATS ON THE BABY! :) Source(s): RDA, CDA, CDPMA
As far as what dental work your husband wants, none of us will know that without seeing your husbands mouth and xrays.
As far as the insurance situation goes, maybe I am confused. You mention an insurance starting and being in effect solely in July. Are you asking him to file procedures on an insurance explicitly not yet in effect? If so, explicitly insurance fraud, and not only that, the insurance would never pay for a procedure that be done prior to the effective date. The dentist would have to present the dates of service, and lets utter that the date of service was May 21, yet your insurance doesn't run into effect until July 1. The insurance isn't going to pay for a procedure done over a month before the significant date.
As far as him wanting the money up front, that is not that unheard of in the dental area. I know some dentists who won't even file on dental insurance. Their patients have to recompense for all services upfront and allow the insurance to reimburse them. Insurance companies can take up to three months to money, though they are not supposed to take that long. They are supposed to pay inwardly 30-45 days. I help at the front desk in my department sometimes, calling insurance to check claims status and have had numerous insurance companies that they never recieved the claim I am calling around, even though we have a report from a clearing house showing that the electronic claim was recieved. I own to turn around and resubmit the claim. Our office was told by a party who used to work for a major dental insurance company that the claims review department often told their reps to throw away claims and not enter them into the system. That opening they could delay payment, collect more interest on the money they hold in their account, and the dental bureau couldn't do anything about it cause the insurance company would simply give an account them that they never recieved the claim. If the insurance company can manage to keep the pay from going out for even a month, they are collecting interest on that money. The dentist is going to have costs associated with your husbands treatment that he have to pay, and those bills are not going to wait up to three months. His hygientist and dental assistants are going to want to be salaried. The supply company he buys supplies from is going to expect him to pay the bill. Look at it this way, if your husband have a job where he provided a service to customers, such as a roofer or a plumber, would you similar to it if he had to wait possibly up to 3 months for his customers to repay him? Especially considering that he would have to pay for materials and possibly salary employees?
I think this guy only wants to know that he is going to get compensated for his services and not have to fight and argue beside an insurance company to get paid, or to carry paid in a timely demeanour. Alot of dentists are starting to do this with expensive dental services. Source(s): registered dental assistant for 11 yrs.
You should probably go for a second feelings or maybe call another dentist and ask what their standard procedure would be. My dentist offer a payment plan that doesn't require any money down. You might ask around for that also.
Most dentist do clear patients pay ahead of time. Keeping in mind that they are going to bill you for the actual cost, not what is going to be discounted if they contribute with your Insurance company. You will also want to get next to your Insurance company and see what the coverage for those services are. Depending on your plan, it could be covered at a lesser amount then you conjecture or not at all. Your insurance will be billed and it will be paid base on your plan, most likely you will have over remunerated the Dentist. (I see it happen all the time!) Its really rock-hard to get your money back from them also. Most of the time they speak they will just apply the credit to your next stop by! So it is really up to you what you would like to do.
<--- works for health insurance company! Source(s): 27 weeks and 4 days pregnant near baby #1 after 3 1/2 Long Years! Logan James 8/16/08
First of all, Congrats on the different baby!
Second, get a second belief at another dentist office! Any dentist who refuses to directory an insurance claim! Cash for a procedure such as that is so expensive and not too many race can pay cash for that!
Third, bring a dental plan. I use Ameriplan USA for my dental benefits. I don't have a deductible. There are no claims to fill out and they adopt all pre-existing conditions!
www.everyonebenefits.com/40565499 is the website to look into it. The card arrived in the letters immediately and I saved on my first call in! They have thousands of dental providers nationwide and it includes trance, chiropractic and prescription. It has been great!
it is a good article that you question your dentist. There is nothing wrong next to wanting to save money. Your husband can get his insightful cleanings and such done in July when you are covered by your insurance. I would find a new dentist if your present dentist doesnt want to work beside you on your insurance situation. Unfortuneatly there are dentists that do what they do to help empire, and some who are in it for the money. It sounds like your current dentist falls into the finishing category. Find a new one immediately, set up adjectives needed appointments for your husband for July when your insurance will kick in. And bid your current dentist to have your records sent to your clean dentist so your new dentist will have everything needed to obtain this going. Good luck! And congrats on your baby.
Related Questions:
Two yrs ago my DH spent over 7K on his teeth (deep cleanings, porcelains, etc). Well now they want more money because apparently they call for to perform the same procedure on the put money on teeth which they didn't do before. I am 6 months pregnant, we're planning for me to stay at home after the baby so we're trying to put aside as much as we can. My open enrollment at work starts in July so I can donate DH to dental and he'll have another $1500 to use but I am going on maternity after that so the coverage will one and only be in July and not after that since we won't take Cobra for it then.The dentist refused to bill the insurance for it and demanded my husband pays cash because it take 3 months to pay or something ands aid that DH shouldn't wait till July.
I don't have a sneaking suspicion that its true, I think he just desires upfront money and not have to wait. What are your thoughts?
Answers:
I would ecourage you to look in this site: http://healthsavings.ourperfectcard.com I signed up online over 3 years ago now for all my dental requirements and they have saved me thousands of dollars throughout the years. From my Braces, exams, xrays, cleanings, crowns...etc. Cosmetic surgery is also included as is the teeth whitening. All services are included within this great plan. They even had my very affordable plan influential in 2 hours and able to use it indistinguishable day. Good Luck and Hope this Helps
1. Have your DH get a second view.
2. The turnaround time for payments from dental insurance companies is 45 days, not 3 months, by law.
3. A pre-estimate can be sent in so you'll know what the out-of-pocket expenses will be.
4. While you're on motherliness leave from your job, your insurance cannot be terminated.
5. CONGRATS ON THE BABY! :) Source(s): RDA, CDA, CDPMA
As far as what dental work your husband wants, none of us will know that without seeing your husbands mouth and xrays.
As far as the insurance situation goes, maybe I am confused. You mention an insurance starting and being in effect solely in July. Are you asking him to file procedures on an insurance explicitly not yet in effect? If so, explicitly insurance fraud, and not only that, the insurance would never pay for a procedure that be done prior to the effective date. The dentist would have to present the dates of service, and lets utter that the date of service was May 21, yet your insurance doesn't run into effect until July 1. The insurance isn't going to pay for a procedure done over a month before the significant date.
As far as him wanting the money up front, that is not that unheard of in the dental area. I know some dentists who won't even file on dental insurance. Their patients have to recompense for all services upfront and allow the insurance to reimburse them. Insurance companies can take up to three months to money, though they are not supposed to take that long. They are supposed to pay inwardly 30-45 days. I help at the front desk in my department sometimes, calling insurance to check claims status and have had numerous insurance companies that they never recieved the claim I am calling around, even though we have a report from a clearing house showing that the electronic claim was recieved. I own to turn around and resubmit the claim. Our office was told by a party who used to work for a major dental insurance company that the claims review department often told their reps to throw away claims and not enter them into the system. That opening they could delay payment, collect more interest on the money they hold in their account, and the dental bureau couldn't do anything about it cause the insurance company would simply give an account them that they never recieved the claim. If the insurance company can manage to keep the pay from going out for even a month, they are collecting interest on that money. The dentist is going to have costs associated with your husbands treatment that he have to pay, and those bills are not going to wait up to three months. His hygientist and dental assistants are going to want to be salaried. The supply company he buys supplies from is going to expect him to pay the bill. Look at it this way, if your husband have a job where he provided a service to customers, such as a roofer or a plumber, would you similar to it if he had to wait possibly up to 3 months for his customers to repay him? Especially considering that he would have to pay for materials and possibly salary employees?
I think this guy only wants to know that he is going to get compensated for his services and not have to fight and argue beside an insurance company to get paid, or to carry paid in a timely demeanour. Alot of dentists are starting to do this with expensive dental services. Source(s): registered dental assistant for 11 yrs.
You should probably go for a second feelings or maybe call another dentist and ask what their standard procedure would be. My dentist offer a payment plan that doesn't require any money down. You might ask around for that also.
Most dentist do clear patients pay ahead of time. Keeping in mind that they are going to bill you for the actual cost, not what is going to be discounted if they contribute with your Insurance company. You will also want to get next to your Insurance company and see what the coverage for those services are. Depending on your plan, it could be covered at a lesser amount then you conjecture or not at all. Your insurance will be billed and it will be paid base on your plan, most likely you will have over remunerated the Dentist. (I see it happen all the time!) Its really rock-hard to get your money back from them also. Most of the time they speak they will just apply the credit to your next stop by! So it is really up to you what you would like to do.
<--- works for health insurance company! Source(s): 27 weeks and 4 days pregnant near baby #1 after 3 1/2 Long Years! Logan James 8/16/08
First of all, Congrats on the different baby!
Second, get a second belief at another dentist office! Any dentist who refuses to directory an insurance claim! Cash for a procedure such as that is so expensive and not too many race can pay cash for that!
Third, bring a dental plan. I use Ameriplan USA for my dental benefits. I don't have a deductible. There are no claims to fill out and they adopt all pre-existing conditions!
www.everyonebenefits.com/40565499 is the website to look into it. The card arrived in the letters immediately and I saved on my first call in! They have thousands of dental providers nationwide and it includes trance, chiropractic and prescription. It has been great!
it is a good article that you question your dentist. There is nothing wrong next to wanting to save money. Your husband can get his insightful cleanings and such done in July when you are covered by your insurance. I would find a new dentist if your present dentist doesnt want to work beside you on your insurance situation. Unfortuneatly there are dentists that do what they do to help empire, and some who are in it for the money. It sounds like your current dentist falls into the finishing category. Find a new one immediately, set up adjectives needed appointments for your husband for July when your insurance will kick in. And bid your current dentist to have your records sent to your clean dentist so your new dentist will have everything needed to obtain this going. Good luck! And congrats on your baby.
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