Counting My Pennies

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May is not as short as I thought

May 27, 2009 By Megan Smith

I think I’m used to Memorial Day being the end of the month.  Over the weekend, I was convinced that June started this week.  I was thinking about what was left in my budget for the month and considering working on my Net Worth update.  I even opened up the spreadsheet I use to start entering numbers.

Clearly, I was jumping the gun a little bit.  May wasn’t over yet, not by a longshot.

May has not been the best spending month.  I had to have some dental work done that wasn’t so great on my budget.  I’m waiting to see what my insurance will reimburse, but it’s not much.  I opted to not get full coverage dental, but my medical insurance will usually give me a little bit of money back for normal dental work.  I usually have pretty good teeth, but this year, for whatever reason, I needed more cavities filled than I think I’ve had my entire life.  I can’t explain it, but my dentist thinks maybe they’ve been there a while.  This is the first time I’ve had x-rays done at this dentist, and he does have a more advanced setup than any other dentist I’ve seen, so it’s possible.

At first, I was kicking myself a bit at not signing up for dental insurance, but there’s nothing I can do about it, so I’m just sort of stuck.  Had this been a normal year for me, the insurance would have cost me more than a normal cleaning.   I can choose to enroll in dental insurance for next year, and that’s something I’m going to have to consider.

Do you opt into other insurance?  Dental?  Eye?  Something else?

Filed Under: insurance

Comments

  1. Money Dieter says

    May 27, 2009 at 2:06 pm

    Dental work sucks! My husband and I started work on my teeth as of last year. We had no insurance, but a discount plan which still costs us a lot of money.

    I have dental insurance with my company now and it is helping us majorly. I also have a $3k HSA so I am using that.

  2. kriswithmany says

    May 27, 2009 at 6:16 pm

    We have dental to supplement our medical. Since our premium is a set price for the whole family, it just makes sense. We break even with our 2 cleaning each a year. Save money if there’s even 1 cavity to be filled. And with 7 mouths, there’s bound to be at least 1!

  3. Vikki says

    May 27, 2009 at 9:22 pm

    I too thought this month was a little short. Weird holiday.

    We have insurance but it’s not great – none of it. I understand – you need to choose between paying a high deductible and other out-of-pocket expenses versus a monthly insurance payment.

    Bummer.

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