The Dentist *sigh*

iVillage Member
Registered: 07-15-2003
The Dentist *sigh*
11
Thu, 11-17-2011 - 3:17pm

I went to the dentist today for the first time in roughly 3-5 years. I haven't gone in the past because I didn't have insurance or money! I tried over the years to take good care of my teeth at home. My DH and I want to start a family together soon so I figured it was time to really get back into the swing of taking care of my dental health. Unfortunately, even though the dentist said I really have done a great job of taking care of my teeth these past years, I have cavities. :( Multiple cavities. :( The estimated cost? $2,400. :( :( :(

I don't know what to do. I obviously can't pay to have them done anytime soon. At the same time we also have xray and physical therapy bills for my DH's ankle that he sprained 6 months ago but only recently went to the doctor for because he's now on my insurance. Plus, we need to send more $ to his 2 children from a previous marriage because their mom's insurance costs are steadily rising. Then there's the holidays ... and we'd love to have a baby.

We are making it, we have food on the table, we stick to our budget, we pay the bills. Debt payoff is just sooooo slow. We have tax debt, student loan debt and small amount of credit card debt. I have my baby e-fund saved up, but some days I am so tempted to withdraw that money and sent it off to one of the debts - but it wouldn't make that great of an impact.

Blah, just feeling whiny and defeated. I'm also trying really hard lately to get a new, better paying job. It's tough.

Sorry I haven't posted much recently, but I do read every single day so thanks to those who do post!


 


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iVillage Member
Registered: 07-15-2003
Fri, 11-18-2011 - 4:45pm

I hope I didn't accidentally start any kind of debate! :) lol

Thanks all for your responses. I'm a little less bummed out today, I know I just need to suck it up, figure it out, save up money and get it done! I'm inspired by the fact that all of you have done this many times - for kids, medical bills, pet emergencies, car emergencies, work on houses and businesses, and more! If you can do it I can do it.

It is really important to me to take care of my health - for myself, for my new husband, and for our future family. I need to find out what % my dental insurance will cover (I've heard not much), and I need to find out the payment plan options with my dentist. Then I need to get it all started ASAP before anything gets worse! You can bet I was flossing and brushing and rinsing my little heart out last night!

To further complicate matters (such is life) there is a chance I could be pregnant now; if so, all dental work would have to wait until the first trimester ended. I can't test to know for sure until Dec. 1st. To be perfectly honest, I'm hoping I'm not just yet. Another month or two to sort these things out would be great. I'll call the dentist Monday. This weekend I need to grocery shop so I'll inform my DH it will be a bare bones week as we need to take care of all this medical stuff!


 


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Community Leader
Registered: 08-25-2006
Fri, 11-18-2011 - 3:02pm
Single, you are right that an infection can be dangerous.

My DS22 had to go to the ER twice, the right side of his face was horrific and the second trip they took him straight back immediately and was all over him, getting an IV in him, etc.

So, to the original poster, you really need to get started on the dental work. Dentists may not be as flexible as MD's, but I would think they would take payments. This really is important. Hopefully they will at least work with you with the worst tooth.

My DS needs a ton of work, but did the urgent one first, and will budget for the rest of the work.

Serenity
iVillage Member
Registered: 06-17-2003
Fri, 11-18-2011 - 2:09pm

I guess money could be a problem if you don't have dental insurance but I've always had dental insurance that paid 100% for 2 cleanings a year.

iVillage Member
Registered: 12-31-2010
Fri, 11-18-2011 - 2:07pm
Ahh the dentist is a tough one. We put money into a flex savings account for any medical bills that occur through the year. We save tax money on that amount, so it is a benefit.
It just keeps coming, doesn't it?
We get the kids out of high school and there are college costs. We pay down debt and have to ratchet up retirement. We pay bills and something breaks in the house.
Oh well, you have your health, and a good job, so those are definite pluses!
Hey, if it helps, a new baby is a tax deduction!
-Marie
#Marie
iVillage Member
Registered: 11-14-2008
Fri, 11-18-2011 - 11:12am
Well for starters, you have less available cash when you start having kids, and it is a time thing! You have to get someone to watch your kids while you go there especially when they are little. Some people have to take time off work and don't get paid while they attend. And I own my own business and have to pay someone to work to go do things like that.
iVillage Member
Registered: 06-17-2003
Fri, 11-18-2011 - 9:25am

'It is really hard to go to the dentist when you have children'

I usually only lurk, but I have to ask about this.

iVillage Member
Registered: 04-10-2003
Thu, 11-17-2011 - 8:34pm

Not sure how your insurance works, but would splitting it up and doing some in the new year give you more coverage? My mom did this once with her dentist and it saved $1k.

And try not to beat yourself up over this. My sister has deeper grooves than normal in her teeth. No matter how hard she tries she will get cativities because there is just no way to get in there to clean (even with the rinse and mouthwash she always gets them). The dentist is planning on capping them so that she doesn't have so much trouble. You may have something like this happening!


Bex -

iVillage Member
Registered: 07-15-2003
Thu, 11-17-2011 - 4:50pm

Thanks Mary Ann.

My dentist is female as well. And she's actually also my second cousin! They did give me the full break down of cost per cavitity and based on which quadrant of my mouth they are in. Only one quadrant can be done at a time, or both right and both left quadrants, so you're right about them not being allowed to numb the full top or full bottom of your mouth. They also showed me which area is the top priority if I need to space it out.

I have dental insurance, but it sucks. :(


 


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iVillage Member
Registered: 11-17-2007
Thu, 11-17-2011 - 3:51pm

Have heart Doctor and dentist bills are the one thing that all families have to face. I am the queen of doctor bills. Now I am paying on the last of my dental bill. It is down to 3600 from around 10,000.9 more months to go.

iVillage Member
Registered: 07-15-2003
Thu, 11-17-2011 - 3:40pm

Thanks for the response. I'm feeling at the end of my rope a little bit today. I just feel so often like we can't afford life!

They said I can do it by quadrant (one at a time, or two quadrants at a time). They listed them by priority. The biggest priority is a quadrant with 4 cavities and that alone is $1,083 of the total cost. Which is still just impossible. They did say it needs to get done relatively soon because it will only get worse (and hence cost more money) down the line. I'm just beating myself up and feeling gross for not having gone back to the dentist sooner and for having cavities in the first place. This is the first time in my independent adult life that I've seen both a cavity and a dental bill so I'm taking it a little hard. :(

I know my health is important and I want to take good care of myself, but geeez, that's just an impossible sum of money for us. It also feels like we'll never get to do the "fun" stuff in life. We didn't get a honeymoon, we don't go to the movies, our dream is to take DH's kids and my nephew to Disney but instead DH's ex and his brothers family are all going without us this Christmas :( My DH works so incredibly hard. When we met he was a waiter with no car. Now he's a manager! And an excellent one at that. I'm so proud of him. I've been underpaid and underemployed for 2 years and counting but I'm searching every day for a better opportunity. I had a great interview for a slightly better paying job on Monday but haven't heard anything back yet.

Sorry again for the whining, just one of those days. Wondering if we will EVER be stress/worry-free when it comes to money?


 


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