A Money Coach in Canada

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CRAPOLA! Beware the Ides of March indeed!

I popped a hard candy in my mouth yesterday at work and instantly seemed to have two instead, but one was not candy, it was my tooth! My molar no less, and most of it.

“That’s OK,” I thought. “Thank goodness for my dental coverage.”
HA!

As it turns out my best option – an implant – is not covered at all.

Price tag? $4500.00

Let’s see.

That’s one totally awesome vacation, or two really nice ones.

That’s a gym membership, a personal chef, and a really great wardrobe for a year or more.

That’s A DOWN PAYMENT ON A HOUSE in many areas of Canada.

oh.  And have I told you about the past few months of UNEXPECTED EXPENSES?  (I have, but let me rant again) “MY! What a quarter I’ve had! 2 months without a tenant followed by Christmas and travel, plus purchasing a new fridge and a new macbook plus a $700 vet bill plus $600 in semi-annual property taxes due plus helping out someone who needed a serious chunk of change plus the deposit on some renos LEAVES A GIRL BROKE for a bit, even if she is a money coach who sets aside funds for these sorts of things.”

I’ll make it of course.  But my emergency fund will take a body blow.  And it stings to have to spend all that money on something like a tooth in the back of my mouth.   And I’ll have to re-think a few things I’d looked forward to over the coming year.

Readers – have you ever had a dental bill with that price tag?  How did you manage it?

Photo credit: jcolman

About the Author


Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com

13 Comments

  1. Matt

    That is BS!

    People profiting to that degree off of a broken tooth?!

    All the things you equated with the expenditure, your dentist smiles about because he/she will get them instead.

    [Reply]

    Nancy (aka Moneycoach) Reply:

    yeah, I’m pretty choked. but it’s not simply repairing the tooth – it gets totally removed (including root canal) then a post drilled into my jawbone then a fake tooth molded and set onto the post.
    I do have a faint inkling of a bright lining. The dad of a friend is a dentist in Venezuela. I’m going to check into flight costs, currency exchange, and maybe, just maybe, it will be worth it to have a Venezuelan holiday and get my tooth fixed by the friend’s dad. Stranger things have happened …

    [Reply]

    Mar 15, 2011
  2. Nancy

    Well … My puppy just had over $4,000.00 worth of dental work done – because her lower jaw is smaller than her upper jaw, and her canines and front teeth were going to go through her upper pallet. The cost of initially getting all her baby teeth out, then grinding down the adult teeth and extracting two molars that were infected and defective, total cost – 4200.00! … and, dog insurance does not cover!!

    [Reply]

    Nancy (aka Moneycoach) Reply:

    @Nancy omg. What we don’t do for our dogs, eh? I raise my cuppa tea to you in commiseration.

    [Reply]

    Mar 15, 2011
  3. brad

    What bums me out is not so much the high cost of dental work but the fact that virtually no dental insurance plans cover the things that cost most. I could self-insure for most of the things covered by my dental plan (regular cleanings and occasional fillings), but my girlfriend has incurred more than $13,000 in dental bills over the past year and a half, of which $400 was reimbursed by our dental plan. You have to wonder whether dental insurance is worth having at all.

    [Reply]

    Nancy (aka Moneycoach) Reply:

    Brad – seriously – it makes you wonder, doesn’t it. I should do the math! But my hunch is that it’s still better to have it. Among other things it means I actually *go* to the dentist for my checkups and cleanings. I never, ever went when I didn’t have insurance.

    [Reply]

    Nancy (aka Moneycoach) Reply:

    ps Brad — was that a typo or seriously thirteen THOUSAND??

    [Reply]

    brad Reply:

    No typo, it really was $13,000 over the past couple of years; she’s still paying it off. She’s had to have some major orthodontic work, none of which is covered by our dental insurance.

    [Reply]

    Mar 15, 2011
  4. Wow, Nancy, that is really terrible about the cost. You know, I was supposed to have a root canal done about 2 years or so ago. It happened when I was in Ontario and I had my tooth checked by the dentist there. Because I was coming back to Calgary I put it off and waited to see what my Calgary dentist had to say about it. Well, by the time I got back, he said it was too late and the tooth couldn’t be fixed – I would have to have it pulled. I didn’t like the sound of that, but that’s all that could be done. So, I went ahead and had it pulled, and you’ll find this next part rather funny. I almost felt like I’d had a mastectomy! No, really. I felt like part of me was missing and I was no longer “whole” because I was missing a tooth in my mouth. Silly, eh? Then, it felt weird afterwards for awhile, and now I don’t even know it’s gone – only when I brush my teeth and there’s no tooth there to brush, or when I look in the mirror with my mouth wide open.

    So, my advice to you – get that darned thing pulled and save yourself most of that $4,500. Unless, of course, you really want to go to Venezuala! lol 🙂

    [Reply]

    Nancy (aka Moneycoach) Reply:

    Loretta a few people have now said they’re getting along just fine-thankyou-very-much missing a tooth. It’s really helpful to know that; it makes me realize I have options besides simply shelling out those big bucks. Thanks for popping by and letting me know that you lived to tell the tale and are managing no problem!

    [Reply]

    Mar 16, 2011
  5. Really shocked about it…..

    [Reply]

    Mar 19, 2011
  6. I had 6 fillings done at one time which is fine because they all needed to be fixed. My dental coverage paid for everything making; great. Well the dentist didn’t fill the fillings full enough leaving a gap and the roots got infected in ALL 6 fillings. A month later I ended up having to get 6 root canals on all the teeth which was not covered by my dental plan. It ended up being just under $8000.

    [Reply]

    Nancy (aka Moneycoach) Reply:

    Worst.Story.Ever.

    [Reply]

    Mar 24, 2011

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