“We Don’t Take No Retiree Insurance”

Dental work is expensive! I know that. Medicare doesn’t cover dental work. And neither does my pocket book. Not when I call dentists and inquire how much a basic cleaning will cost? I was quoted $440 per person for a cleaning and full mouth Xrays. “Lady“, I said, “If I had $880 (for hubby and me) I’d be in Tahiti right now!” With that my husband gave me a kick under the table but I’m at a point in my life where I am just not taking it anymore. I’m telling people how I feel about them and why I feel that way about them. I’m tired of being ripped off.

I finally figured out that the only way hubs and I were going to get any kind of dental care was through insurance. There is just no way we can afford over-the-counter dental bills. So, after much research into Medicare sponsored dental insurance plans, and after investigating ALL the dentists around our area and after logging onto the insurance websites, confirming that the dental office we finally selected was indeed in the insurance’s network and after calling to confirm with both the insurance company AND the dental office that yes! our insurance covered said doctor, I made two appointments for both hubby and I to finally get our teeth cleaned! And for a full set of Xrays. There was no deductible and we were 100% covered. Should we need dental work, there was a 6 month waiting period which meant if we had a cavity or needed other work, it couldn’t be done till December 6th and it had a $50 deductible and a co-pay.

Do I sound like I know what I am doing?

For the two appointments I made over a month ago, I had to submit who our insurance company was, fill our some online questionnaires and the dental office confirmed we had coverage with said dental insurance company. They even sent us emails wishing us a Happy 4th of July!

This morning, DH and I were at the dentist office, bright eyed and busy tailed, ready to get our cleanings and have the Xrays done. We filled out some more paperwork regarding our health. As I was sitting with the hygienist, the office manager came inside the medical area, leaned over my chair and looked me in the eye and said “I’m sorry, but we don’t take your insurance“.  That’s bizarre, I muttered because I came with a copy of my plan, the listing showing that yes! your office does take our insurance because the dentists here are in the network. And with that I showed her all the paperwork. Yes! I am anal retentive BUT wasn’t it cool and great that I did have all the paperwork to validate my justified existence for being in that dental chair?

I’m sorry“, the office manager continued to apologize “but I called your insurance company just now to start the paperwork, gave them our EIN number and they don’t cover you with us, with them. We only take insurance from employer sponsored insurance plans. All our clients are working. You listed that you’re both retired. We don’t take no retiree dental insurance.”

dental senior care.png
This isn’t me BUT you get the idea.

Well, I’ll be. I never heard this one before (hang on….this story has a happy ending. I think)

I didn’t argue with the office manager. I didn’t even want to discuss anything with her. When she told me they would proceed with our teeth cleanings anyway, submit the insurance paperwork anyway (after all, she said, the person who answered the insurance company phone was a foreigner who didn’t speak English very well) and if it really wasn’t covered she’d send us the bill. I knew instantly that hubby and I were knee deep in some elderly rip-off scam.

People……our dental insurance is with Humana. They ain’t no fly-by-night insurance company. They’re a real, legitimate, big business conglomerate.

Anyway, I calmly got up out of the dental chair, reached over and picked up all the paperwork both hubby and I had filled out and ripped them to shreds right in front of the staff. As I said, I’m not taking this crap anymore. I know what I want, I am going to get what I want, I know my rights, I know what I have paid for and I am NOT going to be a victim to elder abuse. That’s all this was. DH and I left the dentist office, drove to another dental office down the road that he and I had inquired about before, handed them our insurance cards and asked if we were covered? They checked. Said yes and hubby and I have found ourselves a new dentist. Tomorrow we both go for our cleanings. They scheduled us for our Xrays in November, which is perfect. If we need any additional work, we’ll be covered 100% by December 6th.

Another job well done by Cindi and Nick.

DENTAL UPDATE: We both had dental appointments yesterday at this new dental office. They were able to do everything right there and then. We both got our teeth cleaned, plus a full mouth Xrays, an exam from the periodontist. Both of us have no cavities, no gum disease, no dental problems. We don’t need any extra dental care. Appointments were made for six months from now for our second annual cleaning. We didn’t owe a co-pay. We didn’t owe a deductible. Everything was free and covered by our wonderful new Medicare Dental Plan from Humana. The insurance fee is $21.50 per person; that’s $43 per month with a $50 deductible when other work is required at 50% off. ALL preventative care is covered 100%.

It was a very good day.

16 comments

    • I’m going to. I just want to wait until we actually do get dental work done! By the end of this or next week I will be calling Humana to complain. This was a sure case of age discrimination. They didn’t want to accept Medicare-type dental insurance.

      Liked by 1 person

  1. I chose not to get dental insurance in retirement. I found a dentist in my area whose practice has a plan of its own where a family of two pay $250.00 and get two exams, x-rays (one set) and two cleanings. Any other work is 20% off. I think that is reasonable for four visits a year. No networks to work with or co-pays. Very satisfied with my choice.

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    • Hi Diane. The plan we have is $22 a month. That’s $264 a year. Two cleanings and two oral exams with full xrays a year at no additional charges. Plus fluoride treatments. After that it’s a $50 deductible and you pay 50%. Of whatever the bill is. It sounds almost as close as to what your dentist is providing to you. Your dentist is giving you a very good plan.
      We finally got all our work done yesterday with a new dentist. Neither one of us have any cavities or gum disease! We’re good! So it turned out to be a good thing after all!!

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  2. DENTAL UPDATE: We both had dental appointments yesterday at this new dental office. They were able to do everything right there and then. We both got our teeth cleaned, plus a full mouth of Xrays, an exam from the periodontist. Both of us have no cavities, no gum disease, no dental problems. We don’t need any extra dental care. Appointments were made for six months from now for our second annual cleaning. We didn’t owe a co-pay. We didn’t owe a deductible. Everything was free and covered by our wonderful new Medicare Dental Plan from Humana. The insurance fee is $21.50 per person; that’s $43 per month with a $50 deductible when other work is required at 50% off. ALL preventative care is covered 100%.

    Like

    • Thanks Ann. It WAS a horrible, embarassing situation. This dentist does have some bad marks against him and I should have listened: people complain they are just in it for the money. And it turned out to be true. Under Medicare, he’d a gotten less. How many people before me shrugged and went on the line for the $880?????
      Thanks for the links. I’ll see what Humana has to say first. It most assuredly was NOT Humana fault. But I’ll let them know.
      Thanks again for your comment.

      Like

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