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My dentist office which is affiliated with a Major Well Renown Hospital here in Chicago and my alma mater (hint…Go Cats!!!) has a policy where you must pay up front now for services. They changed the policy about a year or so ago. I've been putting off x-rays for a year because who the hell has $500 to pay up front for the teeth cleaning, the Dr. visit and the x-rays?
So I just called the office to see if I could pay for the Dr. visit and the cleaning up front and if they could bill the insurance company for the x-rays. The woman comes back and asks if I could pay at least ½. So, I asked how much would that be today and she said something to the tune of about $300!!! Umm….NO!!!!
Let’s not even mention that I have to take a taxi from the South Loop to the North Loop just to get to the office to the tune of another $20. I love my dental hygienist which is the only redeeming quality of this office but unfortunately I will have to say farewell. Today is my last visit and now I have to find another Dentist.
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Okay, seriously, THAT SUCKS!!!! That is a bunch of money to come up with at one time, and then wait for insurance to reimburse you. I understand from the doctor's perspective that they want to get paid now and not wait, but I used to work in a dental office and as long as it was billed timely, we were always paid within the month. I would have to find someone else too.
On a totally unrelated note, I WON MY CASE TODAY!!! And I anxiously await the day you yell out that you've got a full-time law job, so I can scream for you too :D.
YEAH Aaren!!! Great job!!!
I know that has to feel pretty awesome. I wanted to do family law at one time but people kept discouraging me by saying it had a high burnout rate.
Keep up the good work!!! =)
Remember how you said you needed a vacation?? well why not kill two birds with one stone, go on vacation in mexico and get teeth done the same time!?
Seriously, maybe you could get a trip for $500 and teeth done for a lot less than the US.
I guess because of this so called recession even Doctors are trying to squeeze more money out of people.
Switch now
And I was going to bitch and moan because I went to the dermotologist and he doesn't accept credit cards, so I couldn't use my health care savings account card. But this is MUCH worse. Dang...
You have a pretty decent savings at about $12000. Your credit card is about $23060. Have you considered throwing a chunk of your saving at your credit card? The interest on the card alone is a price you are paying to keep money in savings.
For example if you credit card interest is 10% your monthy interest fee is in the neighborhood of $192. If you paid down the debt by $10K the interest fee would be about $108. Once you pay the card off it will be like give yourself a raise of $192 per month or $2300 per year.
Hi Monique!
I have thought about doing that but I am going to hold off until the 3% promotional rate on my credit card expires.
Part of the reason for the credit card debt is lack of cash reserves. So my goal right now while I get things under control is 1) not to accumulate any additional debt, 2) establish a solid repayment schedule and 3) use cash and debit for all purchases including emergencies and irregular expenses.
I expect another annual bonus in the $7k range at the end of January in 2011. That is coincidentally the same time the promotional rate expires. My savings and my credit card balance should be about even so I should be in a position to pay it off completely if necessary.
Thanks for the suggestion!!! You and I are on the same page. The interest on my CC is about $50/month on the $22k balance which isn't bad. I pay ~$460/month so I reduce the balance at least $400/month.
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