Search found 1421 matches

by toofache32
Sat Jan 12, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Yes, he still doesn't get it. His institution is allowed to charge facility fees ( multiples of the doctors fees), which is how he is paid. A private practice doc, however, is not eligible to charge facility fees and therefore has to pay for their IT services out of the fees paid from CPT codes for...
by toofache32
Sat Jan 12, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Go back and read my entire post where I separated institutional settings from private practices. Then get back to us once you are caught up. We are talking about different settings. These 2 settings are outlined in my post. I am talking about one and you are talking about the other. [OT comment rem...
by toofache32
Sat Jan 12, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Go back and read my entire post where I separated institutional settings from private practices. Then get back to us once you are caught up. We are talking about different settings. These 2 settings are outlined in my post. I am talking about one and you are talking about the other. [OT comment remo...
by toofache32
Sat Jan 12, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

In some food establishments, I oftentimes get a "senior discount," never having asked for one. And I'm 55, not 65. Does your practice offer senior discounts? If a practice accepts Medicare, it gives seniors a discount. Does the restaurant have a cadre of people trying to collect money from patrons ...
by toofache32
Sat Jan 12, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by toofache32
Fri Jan 11, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by toofache32
Fri Jan 11, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1276

Re: Dental work - possibly going elsewhere

I have a "Proposed Treatment Plan" detailing the work (not complicated, 2 filing, resin, teeth 30,31) and a price of $325. My question is can I have this done elsewhere easily without getting a new exam, x-rays, etc? There was a another practice I went to in the last 2 years that has x-rays and I t...
by toofache32
Fri Jan 11, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1276

Re: Dental work - possibly going elsewhere

For custom, she said it was around $625 at the location I was at, but around $350 at the other practice she worked at :oops: I should have asked what the name of the other practice was. Google the dentist's name or call and ask. If the guard costs less at the other office, the fillings might also b...
by toofache32
Fri Jan 11, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by toofache32
Fri Jan 11, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

I had a knee issue way back in '97 or '98 and didn't have any problem getting in to see a specialist while on Medicare. It also depends on how long the doc has been practicing, i.e., where they are in the growth curve of their practice. A younger guy/gal starting out is more likely to take all come...
by toofache32
Fri Jan 11, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by toofache32
Thu Jan 10, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

The way I see it, there is an artificial shortage of Orthopedic surgeons. Since when do we ration in America, we always find a solution. What do you mean by "artificial" shortage? And of course we ration in America. Google Narrow Networks. Insurance companies ration by limiting the number of in-net...
by toofache32
Thu Jan 10, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

The way I see it, there is an artificial shortage of Orthopedic surgeons. Since when do we ration in America, we always find a solution. What do you mean by "artificial" shortage? And of course we ration in America. Google Narrow Networks. Insurance companies ration by limiting the number of in-net...
by toofache32
Wed Jan 09, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

I think you should also keep in mind that sometimes a knee problem could be something that surgery wouldn't help, so a orthopedic surgeon really wouldn't be necessary for treatment. It could be something like arthritis which, while painful, wouldn't necessarily be helped by surgery. Best to get dia...
by toofache32
Wed Jan 09, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2247

Re: How did store know what exact coupons to mail me?

Several years back, when personalized coupons were just appearing, I used to get them at check out along with my receipt. Sometimes it was really creepy. Once I got a coupon for hair dye, which seemed to be a way of saying, "We notice you haven't bought any hair dye in quite awhile. We can see your...
by toofache32
Wed Jan 09, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 201
Views: 14765

Re: Joint Ownership of home with second wife

This is why it's cheaper to rent than buy. I'm not talking about the house.
by toofache32
Wed Jan 09, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

The only reason I can see about your former primary not renewing a prescription is that there is some Medicare gotcha that limits fees if a doctor treats any Medicare aged patient and maybe the renewal counts as that. The reason that doctor is no longer refilling medications is because the OP's wif...
by toofache32
Wed Jan 09, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Just because an office agrees to see medicare doesn't mean they have to see all medicare. Most offices limit the amount of medicare or medicaid (if they are willing at all) based on being profitable. Why would anyone running a for profit see more of a less profitable segment of the population then ...
by toofache32
Wed Jan 09, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5015

Re: Diagnosing Knee Problems over the Phone - Medicare

Thanks to all for your suggestions. It seems that one of the advertised benefits of our Medicare supplemental of "Not needing a referral" is simply a marketing tool that doesn't stand up to reality. I will stop being penny wise and pound foolish in trying to avoid what I perceived was an unnecessar...
by toofache32
Wed Jan 09, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1584

Re: Health insurance informs me after procedure that they won't cover all of it

Mac means an anesthesia provider (likely a crna) was present and administered sedation during your procedure. Sedation is required for these procedures and not an elective service. If it's not an elective service, why is the insurance company not covering it ? I know no one likes insurance companie...
by toofache32
Tue Jan 08, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1584

Re: Health insurance informs me after procedure that they won't cover all of it

In my experience involving billing for anesthesia services (out-patient procedures) for a few relatives I always find it remarkable that the anesthesia person is never in network and just parachutes in for the procedure. THIS is an example of why I HATE the way medical billing and insurance is hand...
by toofache32
Tue Jan 08, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1584

Re: Health insurance informs me after procedure that they won't cover all of it

BusterMcTaco wrote:
Tue Jan 08, 2019 10:58 pm
tmcc wrote:
Tue Jan 08, 2019 10:31 pm
Just give them a leather belt to bite and a bottle of whiskey.
Do you think my insurance would reimburse the whiskey?
Only if it's cheap stuff. Wild Turkey maybe.
by toofache32
Tue Jan 08, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1584

Re: Health insurance informs me after procedure that they won't cover all of it

gst wrote:
Tue Jan 08, 2019 9:15 pm
The hospital/doctor didn't inform me that anesthesia isn't necessary for the procedure and the billing department told me that the whole procedure (minus approx $700) is going to be covered by insurance.
Anesthesia is never "necessary". Just hold still and any surgery can be done.
by toofache32
Tue Jan 08, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Medicare billing question
Replies: 7
Views: 658

Re: Medicare billing question

I am 68 and have medicare and AARP medicare supplement. A year ago I went to the hospital emergency room for what I thought might be a stroke. They kept me overnight and did all kinds of expensive tests. Medicare and AARP paid for all of it. Except, last month I got a bill for $109 for something th...
by toofache32
Tue Jan 08, 2019 1:51 am
Forum: Personal Consumer Issues
Topic: Insurance question, DDS 2nd opinion covered?
Replies: 6
Views: 364

Re: Insurance question, DDS 2nd opinion covered?

Your plan documents will tell you how many exams are covered per year. To the insurance company, a "second opinion" is just another exam. Ask the previous dentist for a copy of the xrays to take with you. They often charge a nominal fee for copying these records.
by toofache32
Sun Jan 06, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Advice Regarding Out-of-Network Billing
Replies: 9
Views: 692

Re: Advice Regarding Out-of-Network Billing

But - back before that change, it was common for people coming in to specify, first thru their surgeon, and subsequently with any interaction with the hospital's surgery department, to specify that an anesthesiologist that accepted <your insurance> was required. I have that hand written on both my ...
by toofache32
Sun Jan 06, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Advice Regarding Out-of-Network Billing
Replies: 9
Views: 692

Re: Advice Regarding Out-of-Network Billing

But - back before that change, it was common for people coming in to specify, first thru their surgeon, and subsequently with any interaction with the hospital's surgery department, to specify that an anesthesiologist that accepted <your insurance> was required. I have that hand written on both my ...
by toofache32
Thu Jan 03, 2019 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Loan to son for college with no interest
Replies: 39
Views: 3700

Re: Loan to son for college with no interest

I don’t see anything wrong with this. By paying the college directly, he is not gifting or loaning the child any money. If the child later on decides to gift money to parents, he could give 15k to dad and 15k to mom each year, and double that if married. Is it violating some letter of the law? Mayb...
by toofache32
Wed Jan 02, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to son for college with no interest
Replies: 39
Views: 3700

Re: Loan to son for college with no interest

Why doesn't dad just write a check directly to the school? It never passes through the son's hands so are there any tax consequences? How is that different from how I pay for my teenagers' private school? My sister has 4 kids and their college is being paid by their grandmother. Is that different? I...
by toofache32
Sun Dec 30, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

Bronco Billy wrote:
Sun Dec 30, 2018 8:40 am
toofache32 wrote:
Sat Dec 29, 2018 1:27 pm
Bronco Billy wrote:
Sat Dec 29, 2018 12:50 pm
little off OP but what does it cost for like the full set from clear choice?
22-25k per arch, depending on the variables.
Per arch mean both top and bottom for 22-25k?
No. 25 for the bottom arch and another 25 for top arch. Also depends on materials....acrylic vs zirconia, etc.
by toofache32
Sun Dec 30, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2390

Re: Trying to understand my wife's dental school loans

This type of dental school debt is becoming more and more common, especially for dentists that go on to specialize. Eventually an orthodontist should be able to make over $400k/year. But I’m not sure how many years it would take to grow a practice to that level. Setting up a new dental office or bu...
by toofache32
Sun Dec 30, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2390

Re: Trying to understand my wife's dental school loans

And don't let her sign up with a DSO.
by toofache32
Sat Dec 29, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand my wife's dental school loans
Replies: 26
Views: 2390

Re: Trying to understand my wife's dental school loans

I had heard that dental education ROI was far worse than for physicians, but this is shocking. Tough to say. On average, dental school is more expensive than medical school since there are no federal subsidies such as Medicare/Medicaid to help with educational funding. On the other hand, dentists a...
by toofache32
Sat Dec 29, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

Bronco Billy wrote:
Sat Dec 29, 2018 12:50 pm
little off OP but what does it cost for like the full set from clear choice?
22-25k per arch, depending on the variables.
by toofache32
Fri Dec 28, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Buying 1 ply toilet paper instead is f 2 ply isnt frugal. Frugal is making sure you you only need to go during work hours so you can use theirs for free. ROTFLMAO. :) This almost made me spit out some beer. Probably the funniest thing I’ve read all week. I must confess, I've done this for years. Me...
by toofache32
Fri Dec 28, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: For the dentists: problems with orthodontist
Replies: 2
Views: 618

Re: For the dentists: problems with orthodontist

Good luck with that. It's difficult to find someone willing to get involved when they will likely get dragged into the legal aspects and may themselves become liable, since the results will be poor regardless. I'm in a different dental specialty where I have a growing practice involving fixing certa...
by toofache32
Fri Dec 28, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

I know OP said it would be a cash transaction, but OP also said the teeth were lost due to an accident. I wonder if OP has medical insurance which would pay for this restorative dental work which will be done after an accident. Medical won't pay. They'd pay for things like dentures and such due to ...
by toofache32
Fri Dec 28, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

$5-6k per implant is my experience. You might save a bit as they only need to put you out once for all four teeth. Please don't contribute without complete information because you only create more confusion. You just said that the implant (artificial root) alone cost you 5-6k. So this means the ane...
by toofache32
Fri Dec 28, 2018 1:50 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

I am in the middle of a dental implant procedure right now, and in fact just had the implant uncovered and healing cap placed today. I needed bone grafting as well which was not covered by my insurance at all. They do cover the implant, abutment, and crown at 50%. The cash cost from my DDS for the ...
by toofache32
Fri Dec 28, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

I know OP said it would be a cash transaction, but OP also said the teeth were lost due to an accident. I wonder if OP has medical insurance which would pay for this restorative dental work which will be done after an accident. The more accurate question is... will the medical insurance REIMBURSE t...
by toofache32
Fri Dec 28, 2018 1:45 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

My medical insurance will cover some reconstructive dental procedures after an accident. I'm assuming you've ruled that out for your situation? As an oral surgeon that places dental implants several times a week, and also covers a level ! trauma center treating all the faces through the windshields...
by toofache32
Fri Dec 28, 2018 1:41 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2818

Re: Dental implants - fair price for teeth 23 to 26?

$5-6k per implant is my experience. You might save a bit as they only need to put you out once for all four teeth. Please don't contribute without complete information because you only create more confusion. You just said that the implant (artificial root) alone cost you 5-6k. So this means the ane...
by toofache32
Thu Dec 27, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Cycle wrote:
Thu Dec 27, 2018 7:32 pm
1 bath for 3 people.

1 car for the family.

Share a roof with another unit we rent out.
Same here. Also, we share a toothbrush since there is never more than one person brushing at once. But make sure the water is hot when you rinse it off.
by toofache32
Thu Dec 27, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

These examples are all nuts. The whole reason to make money is to avoid having to deal with these types of problems. You know what I intentionally suffered today? I made the horseradish sauce for our prime rib roast with yogurt instead of sour cream because I didn't want to send my husband out to t...
by toofache32
Thu Dec 27, 2018 3:39 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

My wife and I had this discussion recently about how there are some areas I don't mind paying top dollar, and other areas where I am downright cheap. I gladly pay $100 for a car service to the airport and another $100 to get home so I don't have to deal with traffic and parking. And I always fly fir...
by toofache32
Tue Dec 25, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 44
Views: 4523

Re: Fiber cable on front lawn

I'm sure if your lawnmower cut it in half, they would be out pretty quickly to run a new fiber line and learn their lesson to bury it. I would find a hard time believing they could hold you liable since it's not buried. Exactly. Ommagosh this is so easy and I can't believe how some folks are recomm...
by toofache32
Mon Dec 24, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Apple watch as Life alert
Replies: 8
Views: 987

Re: Apple watch as Life alert

My mom is 86. There's no way she could effectively use an Apple Watch (eyes, fingers). She would need something with a call button. My mom is 73 and in a similar situation. She lives alone and is interested in the apple watch for this reason. The problem is that she has a bedside table full of old ...
by toofache32
Sun Dec 23, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3406

Re: Employer asking me to move my brokerage account

Fascinating this was presented to you in a "code of ethics" document. It's as if they are testing you. So you want to charge your company's clients at rates that you yourself balk at?? On the other hand, it's interesting that the company wants to take advantage of you by requiring you to pay their ...
by toofache32
Sun Dec 23, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3406

Re: Employer asking me to move my brokerage account

Fascinating this was presented to you in a "code of ethics" document. It's as if they are testing you. So you want to charge your company's clients at rates that you yourself balk at?? On the other hand, it's interesting that the company wants to take advantage of you by requiring you to pay their h...
by toofache32
Sat Dec 22, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19490

Re: Favorite Purchase of 2018?

Surprisingly to me, the one that sticks out the most is a Wifi/Cloud photo frame. A relative set one up for my overseas grandparents, so everyone could upload pictures to that frame from all over the world. We tried that with grandma. She thinks it is a TV set. Turns it on to watch the pictures, th...