A break from Covid.
Meet ‘Dylan’, a 67 year old factory worker with traumatic deterioration of his teeth and jaw bones. Absent surgical intervention, infection is certain to further complicate liver and kidney function.
Trouble is, the recommended procedure - dental implants costing $30,000 – is usually considered an elective and/or cosmetic procedure. It may not be covered under the medical plan; if covered under the dental plan (with annual limits), only up to a small fraction of the total.
A local oral surgeon would have pre-certified the procedure, but a large corporate practice - one that won’t deal with insurance companies - promised the entire procedure would be done in one session. Just put $1,000 on your credit card and they’ll even help connect Dylan with a non-traditional lender.
“Heck,” concluded Dylan, “I’m in pain! Let’s get started.” (What could go wrong?)
You guessed it. The claim is being contested. Dylan has asked me to ‘fix’ it.
When the horse is already out of the barn!
Ironically, Dylan is really happy with the surgical results. And, with an 805 credit score, he found a lower cost loan.
The villain? I’ll leave that for Tom Hooper.
P.S. If you insist on a Covid-19 ‘fix,’ fine. Check out these back to work guidelines: Badger Bounce Back and Opening Up America
Again
