I Should Have Known Better*

Meanwhile, back in Absurd World™…
I foolishly checked the mail on Friday, even though I know no good ever comes of it**, and was greeted with a dental bill for more than $100. You may remember that I lost part of a filling recently, and had to visit the dentist to get a temporary fix (and pay for that) and then the real fix (and pay again). For some reason, I believed that having insurance after about 15 years of not having any would actually make it less expensive to visit the tooth doctor, but I should have known better than that.

I called the dental insurance folks, who informed me that my luxurious dental plan only covers up to amalgam (the old school style silver) fillings, and I had a resin one put in. I asked if the dental staff should not have told me that resin wasn’t covered and offered me the amalgam option instead, and the insurance person said that amalgam fillings are no longer done.

Me: “So it only covers up to a service that is no longer provided?”
Them: “Correct.” [Pause] “It’s your responsibility to know what’s covered.”

It seems I was better off, or at least no worse off, when I had no insurance. Now I’m paying into it every month, and when I have the temerity to use it, I still have to pay. I ended up paying $200 of the $238 bill for the filling. All in all, it doesn’t seem like a great system.

*Title inspired by little Miss Marina, the Beatlemaniac. 🙂

**To be fair, sometimes there are postcards and The New Yorker.

A YEAR AGO: Random updates.