Today’s post will probably be a little short. I’m overwhelmed and sort of just want to curl up into a little ball and cry for a while. I really need to find the best dental insurance.
Hubby’s Dental Bill
Long story short, we just spent about $5500 total last week for two wisdom teeth removals, a root canal, a crown, and deep cleaning/scaling for the top part of hubby’s mouth (you can click that link if you missed the post on his dental phobia and background crap).
The second surgery (scheduled for mid-September) will be about $6500 again to remove the bottom wisdom teeth, fix a crown (his one from 3 years ago cracked), have 6 cavities filled, and do the deep clean/scaling on the bottom part of his mouth.
Out of all of that, about
$4200 is just for an anesthesiologist
to monitor IV sedation (total of 8 hours over both visits) and the other $7800 is for actual dentistry (and that part would have been about $900 more if I hadn’t asked for a 10% cash discount). So our total cost by this time next month will be $12,000. That is about what my stupid Chevy Aveo cost us brand new in 2005.
Yep, I want to cry. And throw things. And kick the last dentist in the balls. And cry some more.
Trying to Stop Moping
Mr. BFS feels like shit. He knows that this could have been avoided over the last 25 years. But I don’t think that feeling like crap about it is going to help. He has taken amazing care of his teeth over the last year and will continue to do so. Hopefully that combined with having all of the major work done will keep us from having anything like this again. But it’s hard to look at the bright sides immediately, right?
That said, we think this can be taken off on our taxes somehow. Anybody know those rules off the top of your head?
Also, at least we had enough cash on hand to cover all of this. It is literally wiping out our emergency fund and then some by a little, but we still have some padding in the account we use to pay ourselves biweekly. We also have some general cash in accounts labeled for specific things like a new-to-us car and home maintenance. We’re also on the lookout for some guaranteed life insurance because we both need it. We don’t skimp on insurance coverages and always seem to find ways to save more in this category. So this isn’t going to kill us, but it is definitely painful.
Lastly, I’m trying to see this as motivation for us to find other income sources. Mr. BFS is already reffing his butt off this football season and should be bringing in $4000 overall (working 5 days a week most weeks from September through the beginning of November). Hopefully we’ll find another side venture online or something and earn a bit more. Our main business is doing fine, but we need to make up this $13,000 pretty quickly for it to stop hurting so much.
That said, anybody need help? I’m totally throwing my hat in the ring for being a blog manager and a staff writer again. I’m also still a commenter-for-hire (I comment on other blogs as “Crystal @ YourSite” and link to your blog). If you have a job you think I’d be a great fit for, please let me know.
Over here in Houston and Spring, TX, I’m starting to babysit and pet-sit again. If you come to The Financial Blogger Conference, I’ll have both my eBooks for sale in their paperback versions (now available at Amazon too).
Mr. BFS is reffing and developing a new board game…we’ll see what happens.
To say that this has knocked me on my butt would be about right. I know why kids want to throw temper tantrums. 🙂 But I bet the sting will be way better once this is all over and life rolls along.
Any crappy expenses that you’ve had to deal with lately? Whine away!