Search found 9 matches

by rsgdmd
Mon Aug 21, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1920

Re: Dental Insurance/Costs

Most individual dental policies (as opposed to thru employer) come with waiting periods. So, may not cover routine fillings for 1st 6 mo. and nothing for major (crowns, root canals, etc.) for 1st 12 mo. There are discount plans out there that will save you money, but may have few providers in their ...
by rsgdmd
Sat Aug 12, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1740

Re: Advice on picking a dentist

Good referrals (vs referrals from ppl who don't really know what they're talking about) are usually the best. I've also had success narrowing the field via my insurance company's website and then using ZocDoc to see what availability for appointments looks like among a handful of nearby dentists. I...
by rsgdmd
Mon Jan 12, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 5205

Re: Time for a new dentist?

Some dentists offices near me are chains, in the sense that the dentists change often and seem to be employees. I think Coastal Dental is one of them. I believe that their prices are lower than most dental places. I've never tried one, but as my family grows, their prices become more enticing. Plea...
by rsgdmd
Mon Jan 12, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: New denture doesn't work.Who pays?
Replies: 6
Views: 1540

Re: New denture doesn't work.Who pays?

Have the adjustments helped at all? Is this the 1st time you are wearing a partial denture? Upper or lower? How many teeth are being replaced? Five visits - over what time period?
Being a dentist, patients new to dentures do often need multiple adjustments, but 5 is a lot.
by rsgdmd
Sun Jan 19, 2014 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - move SEP into 401k 1st?
Replies: 1
Views: 222

Backdoor Roth - move SEP into 401k 1st?

I'd would do a backdoor conversion of non-deductible IRAs into Roths, but for the tax hit. So, here's what I'm thinking. My wife & I have multiple retirement plans due to different needs/jobs over the years. I'm self employed and have bulk of retirement money in 401k/profit share; wife also part...
by rsgdmd
Fri Jul 26, 2013 10:16 am
Forum: Personal Consumer Issues
Topic: NYC, Philly, Boston, or Chicago?
Replies: 102
Views: 10325

Re: NYC, Philly, Boston, or Chicago?

If we're talking one year and the fellowship is best in Philly, I would think that would be the main concern. We're not talking NYC, Chi, Boston vs. Lincoln, NE or Peoria (no offence). Philly has a lot going for it - positives compared to the other choices, some negatives. But, if a top fellowship w...
by rsgdmd
Mon Apr 01, 2013 10:44 pm
Forum: Personal Consumer Issues
Topic: College Admissions - Affecting Your Planning?
Replies: 59
Views: 3888

Re: College Admissions - Affecting Your Planning?

I'm a parent whose son is graduating next month; If you have a really bright kid & can't afford/don't want to pay full price for college (even at state schools), maybe look at schools a notch or so below what they could get into. There are a lot of schools that are aggressive about improving the...
by rsgdmd
Fri Mar 08, 2013 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 16
Views: 1356

Re: Dental Insurance

More than half the states have laws stating that insurance companies cannot stipulate fees on services they do not cover. If the graft isn't covered by your plan, the surgeon isn't bound by their fee schedule. The insurance company may have other, better plans that cover grafts, which is why they se...
by rsgdmd
Sun Dec 30, 2012 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 401k to Schwab
Replies: 3
Views: 700

Moving 401k to Schwab

I'm new to this board, but not to investing. I used to have my office's 401k/profit share plan with AXA-Equitable (thru an association) and just switched to an Schwab, using a separate administrator, who will also do recordkeeping. Reason for the move was to save money on expenses (AXA took 0.5% to ...