My teeth are out to get me or at least break me. I've always had cavity-prone teeth. No matter how much brushing, flossing, extra fluoride tablets, and fluoride rinse I used as a kid, I always had a cavity at the dentist. In fact, the last dentist that I had told me that I had too much fluoride and it stained my teeth. It wasn't until most of my teeth had fillings that the cavities started to slow down. I hoped that was the end of it but I knew that my father had shown me his own mouth full of crowns so it was just a matter of time until I had my own set. I was hoping it would be later rather than sooner but it turns out the fillings don't last forever. Since I got most of my fillings as a child they started to get loose and more cavities formed. I don't even know how many crowns I have now. I think I have 8 but I'm not sure.
So, I went to the dentist on Wednesday and I got bad news. I need a crown. There is a cavity next to a filling and although they could try to just do a giant new filling, I would eventually need a crown. I decided to go with the crown but it is going to cost $1,100. I was sad because I cancelled my dental insurance a few years ago when I was going to retire early and get my dental work done in Mexico. Well, I don't feel like using vacation time to go to Mexico twice to get this crown so I will have to pay $1,100. Luckily, I have a health savings account and my employer contributes $500 a year. I didn't have many medical bills last year so there is $1,600 in the account. That is a relief. I thought I was going to have to use my tax return for dental work.
I did a quick comparison of what I would pay with dental insurance verses without insurance. Turns out that if I get one crown every 4 years then I would pay the same whether I had insurance or not because insurance costs $390 a year and 2 cleanings plus xrays only costs $250 a year. It seems like my teeth need something every 2 years but maybe someday they will all be crowned and I won't have any more problems.
I am so glad that I increased my contribution to my health savings account a few months ago. I put $100 in it a month. It sure is nice to have that money available when I need it.
Bright and early Monday morning I will be back in the dentist chair. What a way to start a new week.