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Our Insurance is Stupid

January 23rd, 2014 at 05:34 pm

Premera sucks. It really sucks. Because our dentist is not in their network, they won't pay him directly, even though I've filled out the paperwork to do so and they are supposed to. Instead they send checks to me paid to the order of the dentist and my husband. And not or. Because of this, the dentist can't cash the checks without my husband's signature as well. And of course he's in Alaska for another week.

The dentist says this is the only insurance company that does this. They are trying to force us into their network. Well, we like our dentist and it was hard enough to find him. None of us wants to go elsewhere, that's why we pay a little more than we would in network. If we changed our dentist every time we had a new insurance we would have gone through about 10 dentists by now.

Instead of behaving like grown ups, Premera plays these childish games. I wish DH's company would drop them and choose something else. I'd even prefer to go back to Aetna, who I used to think was really bad until we had to switch to Premera.

I had a dentist appointment yesterday and paid $74.40 from a previous balance. The dentist wants me to go see the orthodontist about my top teeth. I've been getting a gap between my front teeth for the last couple years and it is affecting my jaw and my bite.

I would like to do Invisalign, I think. I know it is $5000 for both top and bottom. I am hoping that means $2500 for just the top. DH is checking into whether or not we even have orthodontia on our insurance. And if we do if it covers the adults. A lot of ortho is only covered in children.

The do have see-through braces that will get the job done in 14 months. Invisalign takes 2 years. But you can take Invisalign out to eat and you can brush and floss your teeth easier because you can take them out. I have a very sensitive mouth, so the pokiness of braces would drive me crazy and hurt. I'd rather go the 2 years with an see-through appliance. Even if I have to pay for it all myself.

I'm in a bit of an annoyed at the world mood right now. I had 2 people in front of me make right hand turns from the left hand turn lane at two different 5-way intersections yesterday and it is still ticking me off. Both intersections had those giant arrows painted on the concrete, plus signs on the traffic light telling you what lane you are in.

Plus a lady tried to go the wrong way up a one way street in her giant jacked up pickup truck. She came out of a parking lot for a store. The only way to get to that store is to go down the obviously one way street and turn in, so she had to know it was one way going in. It shouldn't be something forgotten in the 20 minutes or so she was likely in the store for. Are people really this oblivious?

1 Responses to “Our Insurance is Stupid”

  1. FrugalTexan75 Says:

    I hope you get get good news about insurance coverage for the Invisalign.

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