Posted by Cherie On January 28th, 2010
This morning I went to the dentist for a routine cleaning — my last before our bullet-proof Amazon.com insurance benefits go away at the end of this month. I’d been having a little sensitivity with one particular tooth; so while I was there, I asked about it. The doc did some tests. He poked and prodded. And it soon became quite evident that I have a 20-year-old silver filling essentially rotting out. I also have a teeeeny cavity. When I say “teeny” I mean “the doc said if he knew for sure I was coming back in six months he’d say to forget about it for awhile.” That’s how teeny.
So. This means I can either go back tomorrow and spend $275 while it’s Kind Of Uncomfortable But Not Dire … or wait until the thing fails altogether and then try to scrape up $900 for the same set of fixes without insurance.
Ergo, I’m sucking it up and going back tomorrow around lunchtime, which kind of makes me want to throw darts at babies.
Before anyone pipes up with, “Why don’t you just keep your benefits with COBRA?” let me tell you something about our COBRA plan — which, I’ll have you to know, we are on right this moment: It costs us over $800 a month. And although it gives me a bit of a thrill to imagine the COBRA Commander bickering with Destro over our prescription plan and out-of-pocket deductible, we simply can’t afford to maintain this much longer. We’re downgrading to a much crappier plan because it’s all we can swing with both of us now being effectively self-employed; and no, this crappier plan does not come with dental or vision coverage.
To sum up: After tomorrow, our eyes and teeth are on their own. So I’m fixing these stupid teeth while I can still afford to, and praying that I meet no more pirates in Portland.*
Yeah, anyway. This sucks. It’s not the end of the world, obviously — I mean, being hideously underinsured isn’t as bad as being completely uninsured, as I ought to know. I spent much of my early adulthood uninsured, and I survived, didn’t I? Of course, I had pneumonia twice and ended up putting almost $8,000 on credit cards that I only finally paid off this year; and I went ten years without seeing a dentist, but you know, hey. At least my healthcare isn’t paid for by COMMUNISTS.
[:: eyeroll ::]
* If you’ve been reading here awhile, you may recall that last year I got into a knife fight with a pirate, and thus broke my glasses. Never you mind the rumor that I tripped and fell on a sidewalk. It was much more glamorous than that. No, for real.