Posted by:
dogzilla
(
)
Date: January 11, 2011 02:09PM
Apply for Care Credit :
http://www.carecredit.com/It's a way to finance your medical (and veterinary) bills. They pay 100% and put you on a payment plan to pay them back. That way, your credit doesn't suffer and you don't go into arrears with your healthcare providers, and you won't avoid getting healthcare that you NEED because of cost.
If you have crappy dental "insurance" then you might as well not have it at all. Next open enrollment, if your employer offers one, sign up for a healthcare savings account, or a Flexible Spending Account to put pre-tax cash aside for things that insurance doesn't cover... like 2K worth of dental work. I have waived dental insurance and done just that. Then you tell your new dentist that you are paying cash and do not have insurance. They will give you a discount. Until you can hook up with an HSA or an FSA (they are different and have different tax implications, so do your homework), try Care Credit so you can find a good dentist. Suffering like that is not worth it.