I had a dentist appointment this morning for a cleaning. Just a cleaning, or so I thought. Apparently I am destined to keep up with the teeth problems. This is kind of a large dental office and they have several dentists that work there. This time it was a different one from my previous visits. First thing she finds is a crack in one of my bottom molars (on the other side of my mouth from the root canal/crown I just had done in February). I will need a crown (and probably a build up, since the original old filling is so large) done. I didn't need xrays this time, but she wanted to take a look at the ones I had done in January. Hmmm.....she notices that I really really should have a deep gum cleaning done. The hygienist shows me all my previous xrays and why they recommend this must be done. She said she is honestly not sure why this was not noticed when the took the xrays in January!
Crap! I only have $500 left on my dental benefits for the year. The front desk person started to do a cost report for me but was saying my benefits are $1000 max. I said no, they are $2000 a year max and I have $500 left (I just checked online this morning). So then she took her paperwork back, after showing it to me for a split second. She said my out of pocket will probably be like $1100 but she wanted to get back online with my insurance and re-do it. So, I left there with an appointment for next Wednesday to do one half of my mouth and the crown and no paperwork as to the exact costs. Well, it all has to be done, so I know I can put whatever I am out of pocket on my care credit account and make no interest payments over the next 6 months to a year.
I was taking a look at my FSA account last week, realizing because I am no longer buying DH's medicines, I am going to end up having probably $300 left in the account unused at the end of the year. I wasn't sure how I was going to use it up. No eye doctor visits needed, DH has no more planned doctor visits this year. DD will need a menengitis vaccine for college. Not sure if insurance covers that or not, so maybe I'd get that towards it. Well, I guess now I know I can use that for my dental and take some of the sting out of my out of pocket cost on all this dental work.
And with all that I still need the 2 root canals, and either bleaching or crowns, done on my front tooth and the one next to it! GAH! I have been putting that off until January, when I'd have $2000 in dental benefits to use again. The good news on that procedure is they told me I can have that done at their office and not have to go to the specialist/endodontist. Much cheaper than what the endodontist would charge me. She said they hired a dentist that can do root canals for their patients now and front teeth are pretty easy, since they have only one root and they can do both in one visit. I wish I didn't have to wait until January to have this done (for cosmetic reasons) but financially, it's the smart thing to do.