fbpx
:::: MENU ::::

Browsing posts in: :)

My Medical Costs May Be Lower Than Expected

by

Medical costs less than expected

I wasn’t expecting good news when it came to my medical costs because I’m a bit of a pessimist. However, I’ve gotten good estimates back from my oral surgeon and the psychologist who’s going to do my ADHD testing. 

I was expecting wisdom tooth surgery to cost $4,000, the same as what my spouse paid a few years ago. However, the oral surgeon I met with this week said it would cost $2,000 even with anesthesia. And that’s before potential insurance reimbursement. I forgot my dental insurance information when I rushed out the door for the appointment. However, I’m going to call the surgeon’s next week to give them the details they need to estimate my out-of-pocket costs for the surgery. 

Wisdom Tooth Surgery May Not Be Necessary 

However, it’s possible that the surgery may not be necessary, so I’d love to get your opinions on this. The oral surgeon was very honest and gave me a range of treatment options I could pursue. He said that my wisdom teeth are in good enough shape to keep because they’re not impacted and I’m doing a good job keeping them clean. 

The main downside of keeping them is that they’ll be much harder to remove in the future. Apparently bones in our mouth tend to get harder as we age, which makes extractions more challenging. My wisdom teeth are so far back in my mouth that filling them would be difficult if I ever got a cavity. The surgeon said that most dental offices do not fill cavities in wisdom teeth and would advise me to get them extracted instead. 

After talking to my parents, I found out that both of them have been able to keep their wisdom teeth, so genetics may be on my side. However, I think I’m still leaning toward doing the surgery to prevent a more complicated, painful surgery when I’m older. I’d love to hear what you think. Have any of you kept your wisdom teeth? How have things turned out for you? 

Invisalign May Not Be Medically Necessary Either

I also asked the oral surgeon about Invisalign so I could get a second opinion. I have one tooth in the bottom of my mouth that sticks out because there isn’t enough space for it. Unfortunately, that tooth broke in half because it protrudes and rubs up against my two front teeth. 

Although I could get Invisalign to fix this crowding issue (which my dentist said would cost $4K to $5K), I could just get that problem tooth extracted instead. I would have an empty space in the bottom row of my teeth, but it would be a low-cost solution. I wondered if a lot of food would get stuck in the gap, but the surgeon said I should have no problem keeping it clear since it’s so close to my tongue. I’m planning to play around in Photoshop and see how I might look with this small tooth missing. 

If I decide to get the tooth extracted and end up hating the results, the surgeon said I could get Invisalign after the fact to push the remaining teeth together. Doing things this way (tooth extraction then Invisalign) would enable me to keep my wisdom teeth if I wanted to. Otherwise, I’d have to get my wisdom teeth out to make enough room in my mouth for the bottom tooth that’s protruding, then proceed with the Invisalign. 

I’m curious to hear what you all would do. Would you: 

  • Do the wisdom tooth surgery, then proceed with Invisalign. 
  • Keep the wisdom teeth, get the protruding bottom tooth removed, and then get Invisalign if I decide I can’t live with the gap. This is probably the cheapest option. 

ADHD Testing Costs 

I wasn’t having much luck finding a provider who could test me for ADHD, so I decided to ask my primary care physician for a referral. The psychologist she suggested does take my insurance, and it turns out the testing will be pretty cheap. The psychologist’s office consulted my insurance company, and it turns out I should only owe a $35 copay. I decided to go ahead and book the appointment for the beginning of June and am looking forward to getting some answers. 

Hopefully once I decide what to do with my teeth, these medical issues will stop taking up so much of my brain space so I can think and write about other things! In the meantime, thanks for listening and leaving lots of helpful comments that have aided my decision-making process.

Read More

Medical Bills Rolling In

More Medical Costs and Mortgage Update

Confession: We’ve Taken On A Little More Debt

More Medical Costs and Mortgage Update

by

Medical Costs and Mortgage Update

When it rains, it pours! In addition to my dental issues, I’ve had two more medical problems pop up. My medical costs are definitely going to be higher this year than last year. Just a warning—possible TMI coming if you’re squeamish and don’t like discussing medical stuff. 

Getting An Ultrasound

I’m not due for a physical until December, but I had to go back to the doctor early because I had a painful rash/lump on my chest. Plus, my armpit was hurting badly due to what I believed was a swollen lymph node. 

If you have a touch of health anxiety like I do, you’ll understand the panic I felt when I looked up my symptoms on Google. I was so scared that I had cancer that I considered going to the emergency room (luckily my spouse talked me out of it). 

My doctor believes it’s a benign cyst and I’m on a course of antibiotics to treat it, which were completely covered by insurance. However, I still have to go for an ultrasound in a month just to make sure there’s nothing else going on. My doctor thought it was a little weird that the swollen lymph node wasn’t on the same side of my body as the cyst, so she wanted to order more tests to be safe. 

Possible ADHD

Another medical issue I have going on is potential ADHD. My therapist who I’ve been working with for over a year believes it’s possible I have it and wants me to get tested by a psychologist. I’m in the process of finding a psychologist who has an opening in the next couple of months (many are booked up for a year or longer) and takes my insurance, which will hopefully help reduce the cost of the testing. I’ve heard it’s expensive, so I’m not looking forward to getting that bill!

But I think undergoing testing will be worthwhile. I’ve been doing research on ADHD and the more I read, the more it seems to match up with my personality. Many people with ADHD say they have a constant hum of thoughts, and I definitely relate. During the day, I cycle between feeling like my brain is in overdrive and feeling completely spaced out. Although I was an A student and have managed to run my freelance writing business, tasks take me longer than the average person. 

I was always the last one to finish tests in school and had trouble paying attention to lectures and conversations. It almost feels like my brain or ears “short out” and make it impossible to understand what the person I’m trying to listen to is saying. I register that sound is coming out of their mouth, but I can’t interpret the words, no matter how much I wish that I could understand and focus. 

My therapist thinks I developed good coping mechanisms over time, which enabled me to succeed in school and launch my writing business. But he thinks I may need medication to function optimally and stop feeling like I’m always behind the eight ball. 

Mortgage Update

Recently I talked about our mortgage payment increasing to $1,500 per month. However, my spouse called the insurance company and managed to secure a lower homeowner’s insurance premium. We’re going to save about $900 on our policy this year, so our mortgage payment probably won’t go up after all. 

Apparently we were getting homeowner’s insurance through an insurance broker, which raised the cost. We’re not sure how this happened because we called the insurance company directly to get our policy. It’s good news that our insurance will cost us $900 less this year. But I’m upset that we’ve been paying more than we had to for the last two years unknowingly. Has something similar ever happened to you? I’m pretty confused by the whole situation!

Read More

Confession: We’ve Taken On A Little More Debt

Ashley’s February 2023 Debt Update

Finally Dealing With My Dental Issues