Something about dental insurance

Dental insurance.  When you have it, you think it’s great. When you don’t have it, it’s not so great.  But it’s really irritating when you do have dental insurance and get a denial for a cleaning (and ex-rays, too, I believe) because of a simple mistake.

I always thought we had to go 6 months BEFORE another visit to the dentist … at least for a cleaning.  What I now know, thanks to the Assurant denial of payment for my November 8 dental appt. is that we have to wait 6 months ‘to the date’ of the last appt.  Does this make sense to anyone?

I always take my mother with me … 92, walker, oxygen. That in itself is an ordeal, when she lives 20 mintues away … and … and … well, you get the idea. So I get her, we go, we both have our teeth cleaned. Lucky me. It’s over. Except I now find out that my last appt. was May 17, but THIS appt. was only on Nov. 8 … and we needed to wait until at least Nov. 17th. to the ‘date’ in the month of the previous visit, for coverage to kick in. Has anybody else run up against this incredible rule???

I fumed about this all day, although I did tell the receptionist at the dental office to send me the bill and it will be paid.  (Boo, Hiss, Fume.) This morning I wrote a letter to the insurance company, requesting a reversal of their decision (Ha! Fat chance of that) saying I hoped Assurant is a company with a heart (LOL) and that they will offer us grace for this simple misunderstanding … believing that by waiting for the six month period we were following their rules.  But, no … not the case.  I said we DID wait from May untl Nov. and it’s only a matter of 9 days.  What do you want to bet we get anoter big NO from them??

Well, I fixed my bad mood. Went to the grocery store, bought tons of cream cheese and came home to bake a delicous AND VERY BIG chocolate cheese cake with blue berries and confectioner’s sugar on top.  (Ahhhhh … feeling very satisfied now.)  Sometimes cheese cake really is the only thing that helps!!  Now – what ever are we going to do with the rest of it?

Thank goodness I have another exercise class tomorrow morning!

About beeconcise

A Southern writer living in the Pacific Northwest.
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