dental ins vs no dental ins

dental ins vs no dental ins

Post by Mercellus Bohre » Wed, 19 Jul 2006 05:43:43


5K vs 13K....

some people still have perfect teeth when they die at 90 years old....
I hate these people...

what I keel over at 59 from a massive coronary... my teeth will loook
good.... but it was costly....

 
 
 

dental ins vs no dental ins

Post by WiNK » Wed, 19 Jul 2006 09:26:55


Quote:
> 5K vs 13K....

> some people still have perfect teeth when they die at 90 years old....
> I hate these people...

> what I keel over at 59 from a massive coronary... my teeth will loook
> good.... but it was costly....

I love having dental insurance now.  I love walking out of the exam and
paying $0 and paying $0 for Anna's exams.  I've never had it before.... it
was one of the things I was most e***d about when I got my benefits
package.

Peach

--
"The Bailey Quarters of RSFC"

"Marriage....fun?  Fiddle-dee-dee. Fun for men you mean."

 
 
 

dental ins vs no dental ins

Post by Tonawanda Karde » Wed, 19 Jul 2006 09:33:35

Quote:

> 5K vs 13K....

> some people still have perfect teeth when they die at 90 years old....
> I hate these people...

> what I keel over at 59 from a massive coronary... my teeth will loook
> good.... but it was costly....

Dude, teeth are key. Shallow as it is, does anyone want to hire a
person with yucky teeth? No! Does anyone want to kiss a person with
yucky teeth? No! Does anyone want to even date a person with yucky
teeth? No!

Spend the cash, fix the grill.

 
 
 

dental ins vs no dental ins

Post by The Consortiu » Wed, 19 Jul 2006 11:42:37


Quote:



>> 5K vs 13K....

>> some people still have perfect teeth when they die at 90 years old....
>> I hate these people...

>> what I keel over at 59 from a massive coronary... my teeth will loook
>> good.... but it was costly....

> I love having dental insurance now.  I love walking out of the exam and
> paying $0 and paying $0 for Anna's exams.  I've never had it before.... it
> was one of the things I was most e***d about when I got my benefits
> package.

> Peach

I opted out of the benefits package at work.  No kids or wife to worry
about.  Those who live paycheck to paycheck can keep their commie benefits
plan.    I'll take the 4.08 dollar an hour raise and save for medical
emergencies.

Besides everyone knows that you can make cash deals with dentists if you
don't use insurance.   I got a quote for 800 dollars fillings work 3 weeks
ago.  When I told the dental assistant I would be paying credit card and
that I don't have a benefits plan it got dropped to 603.     Workplace
benefits plans are for commies.  It takes money away from raises and
bonuses.     Save your money for emergencies and earn interest on it.   I
got another quote from a dentist that was $576 but they are too busy to do
me this summer.

 
 
 

dental ins vs no dental ins

Post by Bill Lan » Wed, 19 Jul 2006 12:16:09


first, the music or the misery?

Quote:




>>> 5K vs 13K....

>>> some people still have perfect teeth when they die at 90 years
>>> old.... I hate these people...

>>> what I keel over at 59 from a massive coronary... my teeth
>>> will loook good.... but it was costly....

>> I love having dental insurance now.  I love walking out of the
>> exam and paying $0 and paying $0 for Anna's exams.  I've never
>> had it before.... it was one of the things I was most e***d
>> about when I got my benefits package.

>> Peach

> I opted out of the benefits package at work.  No kids or wife to
> worry about.  Those who live paycheck to paycheck can keep their
> commie benefits plan.    I'll take the 4.08 dollar an hour raise
> and save for medical emergencies.

The entire package or just the dental?  At $4 an hour, you better
start saving right away.  My last experience was eye opening to
say the least.

4 hours in emergency room
20 minutes with Dr
1 EKG
1 CT Scan
1 bag of salt water
2 aspirin
0 Hawt nurses

$3184.06 (the .06 was for the aspirin)  Actual $'s out of my
pocket, $130.

And I wasn't really dying, I only thought I was.

--
wjlmuttatyeahwhodotcom


 
 
 

dental ins vs no dental ins

Post by MoParMa » Wed, 19 Jul 2006 17:13:48


Quote:

> first, the music or the misery?





>>>> 5K vs 13K....

>>>> some people still have perfect teeth when they die at 90 years
>>>> old.... I hate these people...

>>>> what I keel over at 59 from a massive coronary... my teeth
>>>> will loook good.... but it was costly....

>>> I love having dental insurance now.  I love walking out of the
>>> exam and paying $0 and paying $0 for Anna's exams.  I've never
>>> had it before.... it was one of the things I was most e***d
>>> about when I got my benefits package.

>>> Peach

>> I opted out of the benefits package at work.  No kids or wife to
>> worry about.  Those who live paycheck to paycheck can keep their
>> commie benefits plan.    I'll take the 4.08 dollar an hour raise
>> and save for medical emergencies.

> The entire package or just the dental?  At $4 an hour, you better
> start saving right away.  My last experience was eye opening to
> say the least.

> 4 hours in emergency room
> 20 minutes with Dr
> 1 EKG
> 1 CT Scan
> 1 bag of salt water
> 2 aspirin
> 0 Hawt nurses

> $3184.06 (the .06 was for the aspirin)  Actual $'s out of my
> pocket, $130.

> And I wasn't really dying, I only thought I was.

My prescriptions alone are around 1700 a month.  This guy is an idiot.  At 4
bucks an hour how long would it take me to save for my ***, my 30K plus
hip replacement, my 12K plus dental bills this year alone, and not to
mention my dogs heart worm treatment.

--
MoParMaN---Remove Clothes To Reply
--SCUD Coordinates 32.61204 North: 96.92993 West--  

 
 
 

dental ins vs no dental ins

Post by The Consortiu » Thu, 20 Jul 2006 07:00:19


Quote:




>> first, the music or the misery?





>>>>> 5K vs 13K....

>>>>> some people still have perfect teeth when they die at 90 years
>>>>> old.... I hate these people...

>>>>> what I keel over at 59 from a massive coronary... my teeth
>>>>> will loook good.... but it was costly....

>>>> I love having dental insurance now.  I love walking out of the
>>>> exam and paying $0 and paying $0 for Anna's exams.  I've never
>>>> had it before.... it was one of the things I was most e***d
>>>> about when I got my benefits package.

>>>> Peach

>>> I opted out of the benefits package at work.  No kids or wife to
>>> worry about.  Those who live paycheck to paycheck can keep their
>>> commie benefits plan.    I'll take the 4.08 dollar an hour raise
>>> and save for medical emergencies.

>> The entire package or just the dental?  At $4 an hour, you better
>> start saving right away.  My last experience was eye opening to
>> say the least.

>> 4 hours in emergency room
>> 20 minutes with Dr
>> 1 EKG
>> 1 CT Scan
>> 1 bag of salt water
>> 2 aspirin
>> 0 Hawt nurses

>> $3184.06 (the .06 was for the aspirin)  Actual $'s out of my
>> pocket, $130.

>> And I wasn't really dying, I only thought I was.

> My prescriptions alone are around 1700 a month.  This guy is an idiot.  At
> 4 bucks an hour how long would it take me to save for my ***, my 30K
> plus hip replacement, my 12K plus dental bills this year alone, and not to
> mention my dogs heart worm treatment.

That's because you are an old man.  I'm a kid.  young and healthy and as I
already said NO FAMILY TO FEED.  I can chance it when I'm young as my joints
are still good no meds or surgery or treatments.   it's a gamble but gamble
when I am young.

I live in Canada.  They cover more stuff here, of course they mugged Peter
taxpayer and***d Mary's future scoial safety net to pay for it so my taxes
are high but prescriptions are much cheaper and hospital stays and many
emergency surgeries are "free"

When I'm 38 with screaming kids and an angry fat wife then I will jump for
glee with a benefits package and espouse the worker commie ethic collective.

I work 48 hours a week.  44 hours + 4 hours overtime.  overtime is 1.5 x
normal salary.   4.08 dollars x 44 = 179.52 + ( 1.5 x 4.08 x 4) =$204
dollars a week I earn MORE then my co-workers because I opted out of the
dental, life and prescription and eye package.  $204 x 52 weeks a year = $10
608 More a year I make than those who took the plan.  Man alot of people are
pissed with me at work that I opted out because the company pays more a
person PLUS my paycheques are bigger for the same work and I'm half their
age.      It's not my fault they didn't save money when they were my age.

My savings rate is currently 35% of my salary.  I've been debt free for 4
years. So that savings rate of 4.08 and hour translates into ALOT of extra
money in my pocket year over year.    Those who live paycheck to paycheck
can keep their communism.    I won't join them until I'm a father myself.

Call me an idiot when I'm 38 with no plan.  Until then I'll call you a
sucker

 
 
 

dental ins vs no dental ins

Post by MoParMa » Thu, 20 Jul 2006 07:08:49


Quote:






>>> first, the music or the misery?





>>>>>> 5K vs 13K....

>>>>>> some people still have perfect teeth when they die at 90 years
>>>>>> old.... I hate these people...

>>>>>> what I keel over at 59 from a massive coronary... my teeth
>>>>>> will loook good.... but it was costly....

>>>>> I love having dental insurance now.  I love walking out of the
>>>>> exam and paying $0 and paying $0 for Anna's exams.  I've never
>>>>> had it before.... it was one of the things I was most e***d
>>>>> about when I got my benefits package.

>>>>> Peach

>>>> I opted out of the benefits package at work.  No kids or wife to
>>>> worry about.  Those who live paycheck to paycheck can keep their
>>>> commie benefits plan.    I'll take the 4.08 dollar an hour raise
>>>> and save for medical emergencies.

>>> The entire package or just the dental?  At $4 an hour, you better
>>> start saving right away.  My last experience was eye opening to
>>> say the least.

>>> 4 hours in emergency room
>>> 20 minutes with Dr
>>> 1 EKG
>>> 1 CT Scan
>>> 1 bag of salt water
>>> 2 aspirin
>>> 0 Hawt nurses

>>> $3184.06 (the .06 was for the aspirin)  Actual $'s out of my
>>> pocket, $130.

>>> And I wasn't really dying, I only thought I was.

>> My prescriptions alone are around 1700 a month.  This guy is an idiot.
>> At 4 bucks an hour how long would it take me to save for my ***, my 30K
>> plus hip replacement, my 12K plus dental bills this year alone, and not
>> to mention my dogs heart worm treatment.

> That's because you are an old man.  I'm a kid.  young and healthy and as I
> already said NO FAMILY TO FEED.  I can chance it when I'm young as my
> joints are still good no meds or surgery or treatments.   it's a gamble
> but gamble when I am young.

> I live in Canada.  They cover more stuff here, of course they mugged Peter
> taxpayer and***d Mary's future scoial safety net to pay for it so my
> taxes are high but prescriptions are much cheaper and hospital stays and
> many emergency surgeries are "free"

> When I'm 38 with screaming kids and an angry fat wife then I will jump for
> glee with a benefits package and espouse the worker commie ethic
> collective.

> I work 48 hours a week.  44 hours + 4 hours overtime.  overtime is 1.5 x
> normal salary.   4.08 dollars x 44 = 179.52 + ( 1.5 x 4.08 x 4) =$204
> dollars a week I earn MORE then my co-workers because I opted out of the
> dental, life and prescription and eye package.  $204 x 52 weeks a year =
> $10 608 More a year I make than those who took the plan.  Man alot of
> people are pissed with me at work that I opted out because the company
> pays more a person PLUS my paycheques are bigger for the same work and I'm
> half their age.      It's not my fault they didn't save money when they
> were my age.

> My savings rate is currently 35% of my salary.  I've been debt free for 4
> years. So that savings rate of 4.08 and hour translates into ALOT of extra
> money in my pocket year over year.    Those who live paycheck to paycheck
> can keep their communism.    I won't join them until I'm a father myself.

> Call me an idiot when I'm 38 with no plan.  Until then I'll call you a
> sucker

You made your point.  Your lucky, play your cards right and you'll die a
rich man. I didn't know you were Canadian or I wouldn't have opened my big
mouth.

--
MoParMaN---Remove Clothes To Reply
--SCUD Coordinates 32.61204 North: 96.92993 West--  

 
 
 

dental ins vs no dental ins

Post by tom_sawye.. » Thu, 20 Jul 2006 07:31:58

Quote:

> 5K vs 13K....

> some people still have perfect teeth when they die at 90 years old....
> I hate these people...

> what I keel over at 59 from a massive coronary... my teeth will loook
> good.... but it was costly....

(I didn't read the thread) If you don't have a lot of major problems,
then go with the plan (or no plan) that fits you.  I regret that when I
was single, I was paranoid about problems and always went with the 100%
plan even though it wasn't worth it for me because I was in good
health.

Of course, my friend didn't have insurance and when his kid broke his
arm due to the actions of another kid, it was $25k out-of-pocket and a
lawsuit to prove that it was an intentional act.

If you don't have kids, have relatively good teeth and only plan to use
it for emergencies then go with one plan now and when your
circumstances change, make changes to your plan as needed.

 
 
 

dental ins vs no dental ins

Post by The Consortiu » Thu, 20 Jul 2006 07:48:24


Quote:

>> Call me an idiot when I'm 38 with no plan.  Until then I'll call you a
>> sucker
> You made your point.  Your lucky, play your cards right and you'll die a
> rich man. I didn't know you were Canadian or I wouldn't have opened my big
> mouth.

No you had every right to open your big mouth.  You can't let a healthily
kid come in here and throw his opinion around.    Somebody who NEEDS a
benefit package may think my way is the right way.  That's why I stress I
have no kids or wife.  If you have mouths to feed at home you need a
benefits package unless you are truly wealthy.    I AGREE with you that
benefits matter.  However they are a hindrance to my paycheck at my age and
my financial goals and will be a hindrance for the next few years perhaps
longer.

And man the abuse I took at work when I opted out.  I wasn't the only one, a
few others did opt out too.    Those who signed up are paying more per
person out of their pay than they would if myself and a few others joined.
Not everyone is mad at me, many agree with my position.

Those who are vile at me are those who live paycheck to paycheck and have
kids and have to stretch every dollar.  They somehow think I got over them
them.  Those at my work who live check to check are there for a reason.
Maybe they should stop buying booze and cigarettes and lottery tickets...

Also Canada is not the land of milk and Honey in health care.    Government
controlled pricing means way fewer trained doctors, poorly staffed
hospitals, low availability of ***, and a poor selection of prescription
***, incompletely staffed emergency rooms and most importantly   stupid
people showing up to the hospital for headache medicine or ear wax removal.
And yes   people do show up at Canadian hospitals for headache medicines
trying to score free aspirin.

Hip replacements are free up here, well the surgery, hospital bed, x-rays
and the new hip are free, however the morphine and anti-biotic are extra but
the line-ups and wait times mean you could be fully disabled.

I'm one of the few in Canada that wants private health care available.   Of
course if we did get my wish,   I'd have to get a benefits plan........

 
 
 

dental ins vs no dental ins

Post by tom_sawye.. » Thu, 20 Jul 2006 07:57:35

Quote:

> Also Canada is not the land of milk and Honey in health care.    Government
> controlled pricing means way fewer trained doctors, poorly staffed
> hospitals, low availability of ***, and a poor selection of prescription
> ***, incompletely staffed emergency rooms and most importantly   stupid
> people showing up to the hospital for headache medicine or ear wax removal.
> And yes   people do show up at Canadian hospitals for headache medicines
> trying to score free aspirin.

> Hip replacements are free up here, well the surgery, hospital bed, x-rays
> and the new hip are free, however the morphine and anti-biotic are extra but
> the line-ups and wait times mean you could be fully disabled.

You shouldn't speak so negatively about the plan...my colleague is
Canadian and by the time he was able to see a physician for a very
painful knee injury, he had forgotten which knee he had injured and/or
hurt worse by that time.  Problem solved and no out-of-pocket expense.
:-)
 
 
 

dental ins vs no dental ins

Post by deemsb.. » Thu, 20 Jul 2006 08:09:40

Quote:


> > 5K vs 13K....

> > some people still have perfect teeth when they die at 90 years old....
> > I hate these people...

> > what I keel over at 59 from a massive coronary... my teeth will loook
> > good.... but it was costly....

> Dude, teeth are key. Shallow as it is, does anyone want to hire a
> person with yucky teeth? No! Does anyone want to kiss a person with
> yucky teeth? No! Does anyone want to even date a person with yucky
> teeth? No!

> Spend the cash, fix the grill.

   Also, bad teeth lead to lots of other health problems.
 
 
 

dental ins vs no dental ins

Post by tom_sawye.. » Thu, 20 Jul 2006 08:19:10

Quote:

>    Also, bad teeth lead to lots of other health problems.

Yeah, my vet just told me that before he estimated a $700 "cleaning"
job for my dog.  It's the next great thing in vet care, aside from the
"$700 annual maintenance plan."

I do not disagree that teeth are not important and that some program is
not necessary, but the numbers he quoted (5k vs. 13k) seem very quite
unusual.

 
 
 

dental ins vs no dental ins

Post by MoParMa » Thu, 20 Jul 2006 08:49:11


Quote:



>>> Call me an idiot when I'm 38 with no plan.  Until then I'll call you a
>>> sucker
>> You made your point.  Your lucky, play your cards right and you'll die a
>> rich man. I didn't know you were Canadian or I wouldn't have opened my
>> big mouth.

> No you had every right to open your big mouth.  You can't let a healthily
> kid come in here and throw his opinion around.    Somebody who NEEDS a
> benefit package may think my way is the right way.  That's why I stress I
> have no kids or wife.  If you have mouths to feed at home you need a
> benefits package unless you are truly wealthy.    I AGREE with you that
> benefits matter.  However they are a hindrance to my paycheck at my age
> and my financial goals and will be a hindrance for the next few years
> perhaps longer.

> And man the abuse I took at work when I opted out.  I wasn't the only one,
> a few others did opt out too.    Those who signed up are paying more per
> person out of their pay than they would if myself and a few others joined.
> Not everyone is mad at me, many agree with my position.

> Those who are vile at me are those who live paycheck to paycheck and have
> kids and have to stretch every dollar.  They somehow think I got over them
> them.  Those at my work who live check to check are there for a reason.
> Maybe they should stop buying booze and cigarettes and lottery tickets...

> Also Canada is not the land of milk and Honey in health care.
> Government controlled pricing means way fewer trained doctors, poorly
> staffed hospitals, low availability of ***, and a poor selection of
> prescription ***, incompletely staffed emergency rooms and most
> importantly   stupid people showing up to the hospital for headache
> medicine or ear wax removal. And yes   people do show up at Canadian
> hospitals for headache medicines trying to score free aspirin.

> Hip replacements are free up here, well the surgery, hospital bed, x-rays
> and the new hip are free, however the morphine and anti-biotic are extra
> but the line-ups and wait times mean you could be fully disabled.

> I'm one of the few in Canada that wants private health care available.
> Of course if we did get my wish,   I'd have to get a benefits plan........

I'll have to have my hip replaced again in about 3 years.  I'm seriously
thinking about going to India to have it some. It cost about 30K last time.
I hear it cost around 5K and you get a 5 star hotel stay to recover before
you can fly home.

--
MoParMaN---Remove Clothes To Reply
--SCUD Coordinates 32.61204 North: 96.92993 West--  

 
 
 

dental ins vs no dental ins

Post by MoParMa » Thu, 20 Jul 2006 08:52:58


Quote:



>> > 5K vs 13K....

>> > some people still have perfect teeth when they die at 90 years old....
>> > I hate these people...

>> > what I keel over at 59 from a massive coronary... my teeth will loook
>> > good.... but it was costly....

>> Dude, teeth are key. Shallow as it is, does anyone want to hire a
>> person with yucky teeth? No! Does anyone want to kiss a person with
>> yucky teeth? No! Does anyone want to even date a person with yucky
>> teeth? No!

>> Spend the cash, fix the grill.

>   Also, bad teeth lead to lots of other health problems.

Bad teeth can be caused by other conditions too. As I don't have bad teeth,
I have caused the gums and bone to deteriorate because of booze, which led
to diabetes, which slowly sucks the life outta ya, one tooth at a time.
When the dentist pulled my front tooth a month ago, he didn't need to use
pliers, he coulda just used his fingers cause the bone had deteriorated so
bad.  I'm getting a bone and gum transplant next Wednesday.  I'm not looking
forward to it, but I'll be pretty again.

--
MoParMaN---Remove Clothes To Reply
--SCUD Coordinates 32.61204 North: 96.92993 West--