Insurance

I got a $150 bill from my dentist in the mail and freaked out. See, I have dental insurance (from Great West), for free from my employer, so one day I figured that after 13 years since my last visit, maybe I should go to the dentist again. I had 2 cavities, needed a deep cleaning, and had some pockets they wanted to keep an eye on.

"Okay, fine, whatever. Take care of it" says I. -I was here to improve my dental health after all, the most obvious way to do that is to do what the doctor says.

So, I had the cavities filled and went back every 3 months for checkups like they suggested. Then I get this statement in the mail from my dental insurance company stating that they won't cover the entire cost of the resin fillings the dentist used to fill the cavities because they are in the back of my mouth and my checkup isn't covered at all because I'm only allowed a check up every 6 months.

Now, I wasn't given a choice about the material used to fill my cavities. I didn't even know a choice was available! How am I, as a customer, supposed to keep track of which teeth are considered "posterior" and therefore ineligable for resin fillings? I'd love to see a list of things that are or are not covered. How big of a book would that be? How much of it would I understand as a person who's not all that interested in dentistry. -Will I have my teeth for awhile longer? Good.

...And the worst thing is that this same exact thing happened with my Great West medical insurance in June. I had several bills that were denied or only partially covered and I ended up paying around $400 out of pocket. Needless to say, those little suprise bills hurt me that month -I have my money budgeted out pretty tightly.

Without the knowledge (or time) to figure out what's covered and what's not, a trip to the doctor or dentist is like a game of roulette with my money. Will this proceedure be covered? Who knows, spin the wheel, place your bets, and above all -Good Luck!

Ed's response to my rant -we should move to Canada. I'm totally for it at the moment.