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  1. #1
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    Default What would you do?

    I had a tooth with a crown on it snap off (Dentist said I grind my teeth in my sleep and it weakened my teeth and that's what caused it because that tooth had a root canal so was dead)

    So, I have to have a bridge (which is two crowns on either side of the missing tooth with a fake tooth resting between the two - you have to grind down (ruin) your two normal teeth to hold this in place) or an implant. Since I am only 25, I am going with the implant.

    I had my consult yesterday and they gave me an estimate which included getting everything done plus my wisdom teeth taken out. I would be out of pocket $1,600

    You know, I don't care...and it's not because I don't care about money, it's because when it comes to healthcare you can't skimp. My husband flipped a gasket and is FURIOUS with me because 1) I didn't wokr with them on my benefits to try to break it down into two visits because I am fixing to be in a new plan year with more benefits and 2) I didn't get the specific amount to pay and 3) it's way too much money. He was so mean about it last night and told me it's bad karma or some crap like that and that it's always something (last week someone hit my car and I had to pay $200 at Dent Doctor to get it repaired) and that it never was like that before me and yadda yadda.

    But I did call the insurance company and figured out what they would pay and got this current bill down to $700ish by taking out one wisdom tooth and then the bad tooth and having just the post laid. Next year I would have the rest of the work done (be out another $700 or so, including my wisdom teeth so I would have an implant and wisdom teeth extraction for $1,400 which is reasonable because I have insurance and without it just the surgery and second part is $4,373)

    He is mad because I won't do a bridge - but I know it will break sometime in my life and then I will lose three teeth. Then, he's mad because I didn't know the exact amount we would be out of pocket (excuse me - I am not a dentist or an insurance carrier) and I just feel like the sky is falling.

    He brings up how much money we have spent on my teeth - but my whole family teeth are like this. We clean them, etc they are just brittle and break easy. I didn't dare bring up how much money I spent on him medically...

    What would you guys do? I suggested splitting our finances and the way he wants to do it leaves me with NOTHING and no way of being able to pay for anything besides basic necessities.

    The issue is not the money, I can afford it although it's a burden. The issue is dealing with the hubby.

  2. #2
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: What would you do?

    Surprisingly, this actually does not sound like Mr BRS! LOL! Although I'm sure there are several people here who would think that it does. If this had happened to me, then my husband would be encouraging the implant because it would be the better investment in the long run. After all, he's all about good quality that lasts a long time on just about anything with the exception of handbags. My suggestion to you would be to figure out approximately how much a bridge would cost and then how much it would cost to fix three teeth if the bridge were to break off. Perhaps if you show him how this would be the wiser investment, he will realize it is the best thing to do. IDK, I'm just throwing something out there for you. I don't know how his mind works. But I totally know what you're talking about when it comes to brittle teeth. I have 4 crowns already and I'm only 27. It doesn't matter how much I brush, floss, and have my teeth professionally cleaned. Weak enamel just runs in my family. Sheesh, Mr BRS could probably go for months and months without brushing his teeth and he wouldn't get a single cavity. I hate him!

  3. #3
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    Default Re: What would you do?

    You must be like me. I had four crowns until the one snapped off. If you don't have dental insurance, you should look in to getting an individual policy trhough aflac supplemental - it doesn't cover like it would for regular insurance, it just pays a flat fee based on what you have done...like a crown pays out $250 which can really help. It's $30 per month for basic ($23 if your employer offers AFLAC), and they have other plans too but I never looked at them. I didn't look at this one until this tooth broke off. You don't even need to tell the dentist you have it - I don't think - I think you can file the claims yourself and receive reimbursement. That way, you can make dentists feel sorry for you and give you a discount. This guy was going to until he thought I had MetLife. Then he looked at what he ahs to write off contractually and it was more than half of the cost so he backed down off the discount wagon.

    3 unit bridge is $2,313 IN NETWORK before insurance and before they do the prep work on the two other teeth, so you're looking at $2,500/2 = $1,250 which is almost my entire annual benefit cap. My dentist said she wouldnt recommend it because I have a crown on the tooth next to the bad one that has a root canal and those are weaker teeth. Plus, if it fails you have to have either an implant bridge or three implants and you are looking at a good $7-10K. I would have to get a partial denture at that point, I am afraid. I did the math based on my quote from the oral surgeon and ... the implant is only about $400 more than the bridge (before insurance divide it by half and that's only $200 more out of pocket).

    I don't understand why he's being such an ass...I mean, he wanted to get me a LV Montorgueil for Christmas, but with this tooth I told him I would hold off on it and he got all huffy about that because he sold some of his collectivle coins to buy me the purse and wanted me to get it. Maybe need to combine the two men and then divide them in to two equal halves of reasonability.

    Implants are definately the way to go, though. They last forever and they keep your jaw bone healthy - you don't have bone loss with them,.

  4. #4
    *The TBF Elite* Maeveyblue's Avatar
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    Default Re: What would you do?

    Hmmm.... personally, I would go with whatever you need. Pop it on a credit card and pay it off when you can. You can't skimp on your teeth or they will make you miserable.

    As to Dh, is he always like this or is this unusual? If it's unusual, I would try and get to the bottom of it. I know my Dh gets testy when he is dealing with "stuff". Let him know you love him and are on his side no matter what.
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  5. #5
    *The TBF Elite* Maeveyblue's Avatar
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    Default Re: What would you do?

    Also, I would focus on the fact that you are in pain. Guys can't stand when we are in pain. My dh will do anything to make me feel better.
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  6. #6
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    Default Re: What would you do?

    Quote Originally Posted by Maeveyblue View Post
    Hmmm.... personally, I would go with whatever you need. Pop it on a credit card and pay it off when you can. You can't skimp on your teeth or they will make you miserable.

    As to Dh, is he always like this or is this unusual? If it's unusual, I would try and get to the bottom of it. I know my Dh gets testy when he is dealing with "stuff". Let him know you love him and are on his side no matter what.
    He hates spending money. He's mad because it's expensive. Plain and simple. He's always like that. And I am not on his side no matter what because he's really irritating me...he should want whatever is best for me, not what is best for our wallets.

    I don't NEED to put it on the credit card...we could pay for it now and have it over with...

  7. #7
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    Default Re: What would you do?

    Im not in pain. It doesn't hurt. The tooth is dead.

  8. #8
    *The TBF Elite* Maeveyblue's Avatar
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    Default Re: What would you do?

    Then I would just do it, get it done and tell him to stop being an ass. And I would get done absolutely everything that needs to be done.
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  9. #9
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    Default Re: What would you do?

    I think you are totally making the right choice about the implant, even though it is the more expensive option. As for dealing with your husband, I'm not sure. Maybe you could try to appease him with a promise of not buying anything frivolous for the next year in order to save up some money/pay off the extra cost. Of course, if it was me and my SO, I'd just let him stew and be unhappy about it because my health is more important than a bit of money and I'd be angry that he didn't think that.

  10. #10
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    Default Re: What would you do?

    Yeah, he's finally getting over it. I told him I would forego my Louis Vuitton for Christmas and he was like...Absolutely not (he sold some of his stuff to pay for it so it meant a lot to him that I go ahead and get it)

    Plus I have a Care Credit card that's only used for medical purchases and you can have up to 12 months interest free. I am also in grad school, and have excess subsidized stafford funds so I could always try to pay it off in one year, and if not then pay it off with my stafford and then pay that off before it comes due. I won't graduate until 2010 and then would have six months interest free after that.

    I also do independent consulting work for peanuts (low low pay - more for something to do on the weekends) which over one year I can make $2,000 or so (not much) so that could go towards it too.

    He just is mad because I am 25 and thinks this shouldnt be happening - but I can't help it. I could soak my teeth in flouride and brush and floss five times per day and STILL get cavities or broken teeth.

    I brought up the fact that he had kidney stones and we are still paying off those ... that whole ordeal cost $1,350 which is my max for health insurance. He said its different becuase he's 40.

  11. #11
    *The TBF Elite* Maeveyblue's Avatar
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    Default Re: What would you do?

    Quote Originally Posted by NashvilleDiva_83 View Post
    Yeah, he's finally getting over it. I told him I would forego my Louis Vuitton for Christmas and he was like...Absolutely not (he sold some of his stuff to pay for it so it meant a lot to him that I go ahead and get it)

    Plus I have a Care Credit card that's only used for medical purchases and you can have up to 12 months interest free. I am also in grad school, and have excess subsidized stafford funds so I could always try to pay it off in one year, and if not then pay it off with my stafford and then pay that off before it comes due. I won't graduate until 2010 and then would have six months interest free after that.

    I also do independent consulting work for peanuts (low low pay - more for something to do on the weekends) which over one year I can make $2,000 or so (not much) so that could go towards it too.

    He just is mad because I am 25 and thinks this shouldnt be happening - but I can't help it. I could soak my teeth in flouride and brush and floss five times per day and STILL get cavities or broken teeth.

    I brought up the fact that he had kidney stones and we are still paying off those ... that whole ordeal cost $1,350 which is my max for health insurance. He said its different becuase he's 40.
    I wonder how much of a deductible it would be if they had to remove your foot from his a#$?
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  12. #12
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: What would you do?

    Quote Originally Posted by Maeveyblue View Post
    I wonder how much of a deductible it would be if they had to remove your foot from his a#$?
    LOL!

    <--- What we need to do to Mr NashvilleDiva

  13. #13
    Bag Junkie navymom's Avatar
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    Default Re: What would you do?

    Quote Originally Posted by Maeveyblue View Post
    I wonder how much of a deductible it would be if they had to remove your foot from his a#$?


    Haha, exactly.
    I'm going to hazard a guess that because he's older, he thinks he's the boss of you.
    Nip that one in the bud.
    BTW, if he's paying child support or anything like that, he should not say anything about your health issues.
    Men at 40 can be real a$$es - well really men at any age can be. If you're relatively early in your marriage, you'll need to make it very clear that both of you matter equally, that you will probably choose his nursing home or his elder care and he better step lightly.
    Wait- the nursing home stuff only comes out in case of a really serious argument.....
    Never mind everything I just said to you!
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  14. #14
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    Default Re: What would you do?

    I child support-not yet anyways. We have the oldest child and they will be 17 in December. I dunno about in 2 years because the younger one is 11...and the mom works two jobs and is on gvt aid...but the courts don't award child support if the children are split...hopefully we won't have to pay any but idk...

    My teeth have always been an issue. I think he's gotten better about it. I will just break it in to 2 visits to save $400 ...

    Like I really want to spend all this money on my teeth. That's the last thing I want to spend it on!!

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