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I went to the dentist a few months ago to get a couple fillings. I haven't had insurance for years so I haven't had the chance to go. They said after I was done that it'd be something like $20 with insurance. Fast forward to two weeks ago I went into the dentist for a normal cleaning and before I even sit in the chair I'm being told that I still owe $900 from my last visit. They told me that my insurance denied my claim and that I had to pay in full. Was it a lot? Not really. But that's also almost an entire paycheck for me. And as someone that lives basically paycheck to paycheck it can make a huge difference.
This is exactly why I haven't been to the dentist in three years. I hadn't had insurance and didn't want to pay a ridiculous amount just to get a filling or two. Figured now that I have insurance through work I can start getting my teeth sorted. Felt so pissed off that I didn't even set up another appointment since they'll probably deny me again 4 months later.
And after all that, I'm sure you can guess what insurance company they provide through my job. Here's hoping I don't get that diabetes that runs in my family.
Just a note - while others will tell you not to pay, what you should do instead is go in and get a checkup (covered), and ask them to do a pre-d on anything they want to do.
What’s a pre-d?
I've never actually heard that phrase, but from Context I'm guessing they mean to get pre-approval done before you get the procedure done. Which is really good advice for every medical procedure you ever get done. At least the ones you are conscious for.
"Pre-determination," I'm guessing.
Just don't pay. Let it go to collections agencies. Medical debt is basically worthless and they don't even bother to harass you for it.
Medical debt now goes to your credit report.
Thanks Trump admin.
Oh they absolutely do. Dealt with it for years plus it'll tank your credit.
It didn't used to. It used to be that medical debt was excluded from your credit report. That changed recently though thanks to, you guessed it, Republicans.
Is there a cutoff date for which debt qualifies to go on your credit report now? My shitty ex Dentist is still pestering me for crap work she did something like three years ago. I mean it’s actually a collection agency but same thing.
Well it did use to, that was a very brief time period where it didn't. For most of us that's been a part of our lives for many decades.