Dear klausbh,
I'll get to the answers in a moment. First, GIVE ME A BREAK!!!!
Unfortunately I do not have dental insurance and am not willing and able to spend a lot of money to have it fixed right now.
Most dental care is less costly than medical procedures. All patients, and YOU at the top of the list must take RESPONSIBILITY for your own health.
Long before dental insurance, people actually had to PAY for treatment. Even today, about 50% of the population actually has no insurance and, well, they use their own money to pay for care! I may not feel much sympathy toward insurance companies, but on the other hand, Dental and Medical insurance is a to REDUCE the costs of treament and to use an excuse that you want dental insurance to pay is more than unreasonable. Medical and dental care is not nor has it ever been a free ride.
Insurance is to help defray costs...especially if it is for care of catastrophic incidences. IMHO, a "cavity" is not catatrophic! Stop moaning about insurance paying for your treatment and spend a few hundred bucks to fix the problem. Take responsibility for your own care.
It shouln't surprise you or anyone that, 1) insurance companies are in business for a profit, and 2) in order to make a profit, they have to take in more than they spend. If everyone wanted 100% payment for all problems with no deductible, then your premiums would would have to high enough to pay for that care, pay the commissions to the agents and produce a profit.
In general, you will spend more in insurance premiums than you get back in paid treatment for a given year. In years that your luck goes south, you'll luck out and more will be paid to you. That is the way insurance works.
You will probably spend more on dive gear and travel this year then you will on dental treatment. On the other hand, if you don't practice preventative dental care and only go if there is a problem, then getting your mouth into stable condition will cost a fair amount the first year. Once in shape, you might need two cleanings a year and a rare filling.
Unless I find an affordable alternative that means I will be diving with a cavity for a couple of weeks.
I cannot believe that the treatment for a single "cavity" is so costly that you are forced to look for an "affordable alternative." Even if you needed a crown, the cost may be under a thousand dollars and while not cheap, it beats the heck out of most medical procedures. Also remember, you get what you pay for. If you sign up for an HMO, you're gonna get HMO type care...the cheapist materials, the minimum treatment time and most likely quality that is at a bare minimum.
OK, the answers:
1. Diving with cavities - big deal or no?
2. Having a cavity filled - how expensive?
3. Dental plans with immediate coverage for an existing condition (yeah, I'm dreaming)
4. Alternative cheap dental care - i.e. dental schools
5. Odds of a getting a tooth
1. Diving with cavities will, in most cases not cause a problem unless it is deep or the nerve is already going bad. This is a very rare problem.
2. Yes, HAVE THE CAVITY FIXED! Is there really any other advice? Any other advice is basically going to end with a toothache and/or an extraction.
3. Yes, you are dreaming. What the heck, maybe you'll meet the
Tooth Fairy.
4. Alternative dental care is available. If you qualify, Jackson Hospital has a dental clinic as does Dade County. Nova Southeastern Dental School must also have a program. Care is limited at all of these. The quality of care provided should actually be good because it is well supervised. If you don't meet selection criteria, you won't be accepted. If you do qualify but have problems that are not being looked for, you may get no treatment. Treatment will be slow.
Any other cheap treatment is just that. You'll get crummy work.
5. I don't know the "odds of getting a tooth"...I'm not sure what you are asking.
While I may have been "flip" with some of my answers, they are correct. I do find fault with you attitude and motivations. I certainly hope you understand what I was trying to say and I hope you will get care quickly.
Safe diving,
Laurence Stein, DDS
:doctor: