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Old 06-25-2013, 01:09 PM   #1371
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Arghh! My microwave died this morning. We really rely on the microwave at our house. There goes another $250 (if I'm lucky.)
When the microwave on our built-in double oven/microwave broke we got by a few years with a cheap, large countertop unit. The countertop unit was way better than our dated built-in.
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Old 06-25-2013, 01:23 PM   #1372
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I hate dealing with corporations. I am trying to get a few dental claims paid back from Sun life and they offer on line, direct deposit claiming. I have been trying to get things going for over a week now and they can't seem to set me up on it. I have been on the phone three times, had to go back to the dentist because they gave me incomplete invoice codes, and now the final straw, they don't know what is wrong and tell me I have to mail my claim in manually. The girl said, "Sorry, there is nothing more we can do"
Between the dentist and this Insurance company, they all charge top dollar for everything and offer so much but never deliver. They can't get their crap together. Why can't we decide that maybe I can't pay this month. Sorry. You are going to have to figure something else out.

AHHHHGGGG!!!!
Sorry to hear that you have to put up with this stupidity. Can't they give yu a card to show the dentist so he/she bills Sun Life and you just pay the dentist your share?
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Old 06-25-2013, 01:36 PM   #1373
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Sorry to hear that you have to put up with this stupidity. Can't they give yu a card to show the dentist so he/she bills Sun Life and you just pay the dentist your share?
The dentist doesn't deal that way(surprised??) You have to pay them first and then claim your money back from Sun life....Some chiropractic expenses went through a few weeks ago, which was only 70 bucks, but now the dental one isn't getting through. Which is over 600 balloons......
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Old 06-25-2013, 02:13 PM   #1374
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I don't know the norm in Canada, but here in the US, the Dr. bills the insurance company and they pay him directly. Then the Dr. has to bill you any balance. If this is the norm in Canada as well, I'd change dentists. he's just too lazy to do it right.
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Old 06-25-2013, 02:39 PM   #1375
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I don't know the norm in Canada, but here in the US, the Dr. bills the insurance company and they pay him directly. Then the Dr. has to bill you any balance. If this is the norm in Canada as well, I'd change dentists. he's just too lazy to do it right.
Unfortunately this is a sign of the times. It's becoming more and more the norm because dealing with the paper work is getting so horrendous. The doctors have to spend enormous amounts of time filling out paperwork so they've just stop being a participating provider and are charging full fee and making the patient seek reimbursement themselves.

Another new trend here in Hawaii is concierge medicine where you pay annual membership rate to the physician for private / elite services. Don't even bother calling them if you are on Medicare.
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Old 06-25-2013, 03:07 PM   #1376
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I'm on medicare with a supplemental insurance plan. I get a nice summary report each month detailing medical charges for the period. What's really interesting is the amount billed by the provider as compared to the amount approved by Medicare. The difference is huge. The Medicare approved amount is a small fraction of the amount billed. Medicare and the insurance company share payment of that smaller amount. The really sad fact is that if you have no insurance, you get billed the larger amount!

The insurance co. and Medicare also review the bills to identify duplicate or inappropriate charges which they reject. This protection is lost if the providers bill the customer directly.
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Old 06-25-2013, 03:15 PM   #1377
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I Have No Anger Management Issues

I was out painting the last coat on the deck. The association provides the paint and a brush to ensure a quality product is used. I was given water base solid deck stain. Easy to work with.

I was about 3/4 done with the second coat when SO (she took the day off to get ready for her family's arrival) decided to turn on the sprinkler to water her garden. Needless to say, it went right onto the deck, wet paint and all. My screaming to shut it off was quite effective. I can't describe how angry I was but I remained outwardly calm.

I went indoors until it dried off and finished painting. It will be interesting to see how it looks after it's all set and dry.
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Old 06-25-2013, 08:36 PM   #1378
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I am not looking forward to visiting the dentist tomorrow. I am one of those who seek dental care only when something's hurting. And even at that I still prolong visiting one. And since I seldom visit the dentist I have no dental insurance. I just pay for the work out of my pocket.

With dental insurance the dentist deals directly with the insurance company and you're billed the difference. But with a dental plan (not insurance) you pay the entire amount out of your pocket and the plan carrier sends you a partial rebate.
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Old 06-25-2013, 09:55 PM   #1379
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I was covered by Master BC/BS including full dental and eye care. Just about the best you can get. What wasn't covered was taken up by Medicaid. So I had no copays at all. The day I turned 65, every appointment coming up that I had at Mass General called me and canceled the appointment. I was no longer covered by BC/BS. Only Medicare and Medicaid. I knew instantly why. Medicare has a set schedule of payments. And Medicaid does not always pick up the balance due.

So I joined a Plan C Medicare program. I get top notch care, every drug I may need, get to see the best specialists and have no problems to worry about. I get eye checkups twice a year, see a foot doctor once a month, and am entitled to complete dental care. In exchange I do have to get my vitals checked once a month. Not a bad price to pay for all I get in exchange. And it cost me not one cent.
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Old 06-25-2013, 10:18 PM   #1380
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So I joined a Plan C Medicare program. I get top notch care, every drug I may need, get to see the best specialists and have no problems to worry about. I get eye checkups twice a year, see a foot doctor once a month, and am entitled to complete dental care. In exchange I do have to get my vitals checked once a month. Not a bad price to pay for all I get in exchange. And it cost me not one cent.
I kinda wish I were 65 (I'll get there in 6 years).
Being self-employed, everything comes out of the pocket. My wife and I are covered under Kaiser for regular medical care but the monthly premiums are costing me a fortune, and that's with a $50/visit co-pay plan and does not cover prescription medication, nada. The Kaiser plan we used to have for many many years had a $25/visit co-pay and $10 prescription co-pay but I could not keep up with the plan's monthly preminums any longer so I "de-graded" to a less expensive (lesser by about $300/month) plan beginning 2013.
And with Obama Care kicking in next year, hopefully my monthly preminums can be income adjusted to more manageable levels.
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