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laracroft79 | No dental insurance afterall, am I in trouble? |
I am currently working at a hospital a total of 20 hours a week. You need to work at least 24 hours a week to be elidegable for insurance. My boss said that I would be getting "more hours soon" so I called the hospital and they sent me the paper work for the insurance. Shortly after, I had a root canal done. This root canal cost $807. No crown. I told him about my situation and he said he would hold off on charging me and would see if the insurance would cover it in a few months. Well, the insurance didn't go through after all and I am stuck with the bill which I am hoping my family will help me with.
Can I get in trouble for any of this? I am only asking because the secretary keeps calling me and she sounds mean. :-( She doesn't understand what it's like to be a poor college student. |
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mbrcatz
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Well, you're going to have to pay. So what does "get in trouble" mean?
If you don't pay the bill, eventually they'll send it to collections, and get a judgement against you. Then they'll be able to collect interest, too, and get an attachment against any wages - current OR future. |
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Rick B
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Call them and set up a payment plan. You should be able to send them $100 a month and pay it off. |
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slimmyjoe
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You will be fine. Just call and set up a payment plan. They will be very flexible about it, after all they want their money.
Whatever you do, don't ignore the calls. You will have a collection agency after you in no time, and that is not good on a credit report. |
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sarah314
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I know its too late for this now, but why didn't you confirm whether or not your dental coverage was in effect before you had the procedure done? It could have saved you a lot of headaches.
Even if you would have needed to have the procedure done no matter what, you could have established payment arrangements with the dentist *before* the procedure was done.
The problem now is that they have been waiting patiently for you to come through with payment - from the sound of it, they have been waiting at least a few months. You may be a poor college student, but keep in mind that the dentist office has to pay payroll for all their staff, pay utilities, etc. You used the services, and now you owe the money.
Your best option at this point is to work with them to make payment arrangements. (Had you been doing this all along, you could have been halfway paid off by now.) They can file this with a collections agency and have it appear on your credit report. Do what you have to do to work with them, so that it doesn't get to that point. |
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ROBIN H
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no you should not.check with them and see if you can arrange making payments with them.most places will let you make monthy payments,good luck. |
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trhonda2000
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A payment arrangement can be made, but to prevent this in the future, why don't you look into getting dental benefits outside of the company? I offer a discount dental program for only 19.95/month! It's not insurance, but basically would give you discounts ranging from 20% - 80% on what you would pay out of pocket. Visit www.mybenefitsplus.com/trhonda2000 for more information. |
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