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And we have dental insurance why?

October 12th, 2005 at 06:49 am

So I go in on Monday for my dental appointment. A scheduled appointment mind you, for a filling. I have a baby tooth
that never came out and there is no tooth there to replace it, so it's stayed. It's virtually unnoticeable - in fact, Kevin
didn't even know it was a baby tooth until I pointed it out to him! lol Anyway - the last time I was in for a cleaning, my
dentist told me that the very top of that tooth was beginning to erode and he would need to put a filling there to insure
that the tooth would stay put and not break off at some point. Fine - I schedule the appointment like a good patient.

I get there on time and am taken to the treatment room where I'm asked to sign an agreement that states I know my
insurance will not cover this procedure and I will pay, out of pocket, the $140.00 required for the procedure. I asked
the technician if this was correct. I said that there must be a misunderstanding - the doctor told me I HAD to have this
done, it was not a request on my part. She said that it was considered 'cosmetic' and therefore the insurance would not
cover it. Huh? Cosmetic? He told me I needed it so that the tooth would not get weaker and break off...how is that
cosmetic? The doctor then came in and explained the same thing that the technician had just explained. I asked him
what would happen if the tooth did break off - he told me the insurance would pay to have it pulled and then cover most
of the cost of the bridge I would need to replace it. Oh yeah, because that is soooo much less expensive than covering
this so-called cosmetic procedure! He said if I wanted to skip the procedure, the tooth was okay and to just be careful
it. We could consider it again in a few months. I'm thinking, you know...this tooth has been just fine for 42 years - we'll
just leave it alone and think about it if something ever does happen to it.

Dental insurance indeed! Grrrrr.

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