- October 19, 2023
- Posted by: legaleseblogger
- Category: Related News
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Parents’ Neglect of Dental Care in Childhood
During my upbringing, my parents neglected my dental care, resulting in minimal dental visits and a lack of orthodontic treatment. Despite my pleas for medical, dental, and specialist care, my parents prioritized their personal indulgences over my well-being. Consequently, my relationship with them has suffered, and I have come to realize the challenges of growing up in a low-income household.
Academic and Financial Achievements
Despite these obstacles, I have managed to achieve significant milestones in my early twenties. I successfully graduated from college on a full scholarship and recently commenced a fully-funded PhD program. Notably, I am set to become the first individual in my family to obtain a doctorate degree, representing a remarkable accomplishment. However, living in a high-cost city, my monthly income from the program, amounting to $3,050, is substantially consumed by expenses.
Monthly Expenses and Limited Savings
As I navigate this crucial phase of my life, I find myself grappling with considerable financial responsibilities. My monthly rent accounts for $1,300, subscriptions cost $51, and I spend $15 on my phone bill. Additionally, transit expenses amount to $135, and essential household goods add up to $100 per month. Surprisingly, despite cooking most of my meals, I find it challenging to spend less than $650 monthly on food due to the exorbitant prices prevailing in this area.
Debt and Lack of Emergency Savings
While I am relatively debt-free, with only $800 in consumer debt that I am diligently paying off each month, I lack emergency savings. The costs associated with moving and purchasing furniture for my new place have depleted my funds. Although I possess around $3,000 in an IRA and $4,000 in a personal investment account, I currently do not set aside any monthly savings.
The Desire to Save and Invest
Given my age, I am keenly aware of the advantages of compound interest, prompting me to prioritize savings. I am determined to maximize my financial growth during this period. Looking ahead, I anticipate being able to save approximately $500 per month starting next year, with some extra funds available for miscellaneous expenses.
The Urgent Need for Dental Intervention
Unfortunately, my oral health is far from ideal. While I now possess good insurance and receive biannual dental cleanings, the lack of childhood dental care has led to various issues, including a deep bite, slight overbite, inwardly pointing top teeth, and oddly spaced bottom teeth. Moreover, my wisdom teeth need extraction as they are causing crowding due to my small jaw. The estimated out-of-pocket costs for addressing these dental concerns amount to a substantial $10,000. This expense can be spread over a period of 24 months, with an initial down payment of $1,500 and subsequent monthly payments of approximately $400.
The Dilemma of Prioritizing Dental Care
Given my financial circumstances, the question arises as to whether it is worth stretching my means in order to address these dental issues while I am still young. The situation has only worsened over time, and the possibility of rectifying it as a child at a cost of approximately $3,000 weighs heavily on my mind. I fear that taking on such a significant monthly expense may jeopardize my financial stability and hinder my ability to save and invest during this crucial phase of my life.
The Role of AI Legalese Decoder
In this complex financial situation, the AI Legalese Decoder can provide considerable assistance. By utilizing this innovative tool, I can gain a clear understanding of any legal terms or jargon associated with my insurance coverage or potential payment plans for dental treatment. This will enable me to make more informed decisions, considering the implications on my finances and long-term goals. With its ability to decode complex legal language and simplify it for my comprehension, the AI Legalese Decoder will empower me to fully comprehend the terms and conditions, allowing me to make the best decision regarding my dental care without compromising my financial well-being.
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AI Legalese Decoder: Revolutionizing Legal Language Understanding
Introduction:
In today’s fast-paced, technology-driven world, the legal industry is constantly facing challenges brought upon by the complexity and inaccessibility of legal language. The traditional use of legalese in legal documents has created a significant barrier for individuals without a legal background, making it difficult for them to understand and effectively engage with legal concepts. However, with the advancements in artificial intelligence (AI), a solution has emerged in the form of AI Legalese Decoder, which has the potential to revolutionize the way legal language is understood and interpreted.
Understanding the Challenge:
Legal documents, such as contracts, laws, and regulations, are often laden with convoluted and archaic terminology, making them nearly incomprehensible to the average person. This language barrier poses a problem not only for individuals seeking legal information and representation but also for businesses and organizations that need to navigate the intricacies of the legal landscape. It is crucial to demystify and simplify legalese to ensure equal access to justice and empower individuals with the ability to comprehend their legal rights and obligations.
The Solution: AI Legalese Decoder:
AI Legalese Decoder utilizes sophisticated algorithms and natural language processing to decode legal jargon into plain and understandable language. By analyzing vast amounts of legal texts and applying machine learning techniques, this technology can identify patterns and contextual relationships within legal language, enabling it to provide accurate translations and explanations in real-time. The decoder acts as a virtual assistant, breaking down complex legal terminology, and offering simplified interpretations that are easily graspable by non-experts.
The Benefits:
The adoption of AI Legalese Decoder can bring numerous advantages to various stakeholders within the legal industry. Firstly, it facilitates clear communication between legal professionals and their clients, enhancing comprehension and enabling more effective collaboration. Additionally, individuals without a legal background can utilize the decoder to independently navigate complex legal documents, saving them time and money while ensuring they fully understand their rights and responsibilities. For businesses, AI Legalese Decoder streamlines contract analysis and review processes, minimizing the risk of overlooking critical clauses or ambiguities. Moreover, this technology can be employed by regulatory bodies and government entities to improve the accessibility of laws and regulations, promoting transparency and legal literacy within society as a whole.
Future Developments and Implications:
As AI technology continues to evolve, the capabilities of AI Legalese Decoder are expected to expand, offering even greater support to individuals and organizations grappling with legal language barriers. With ongoing advancements, the decoder may be able to provide real-time legal advice and generate customized legal documents, democratizing access to legal information and empowering individuals to make informed decisions. However, it is important to note that AI Legalese Decoder should be viewed as a complementary tool rather than a substitute for professional legal advice. While it simplifies legalese, the expertise of legal professionals remains essential for addressing complex legal scenarios and providing tailored guidance.
Conclusion:
The AI Legalese Decoder represents a significant breakthrough in making legal language more accessible and understandable. By bridging the gap between legalese and everyday language, this technology empowers individuals, enhances legal collaboration, and promotes transparency. As its capabilities continue to grow, the AI Legalese Decoder has the potential to revolutionize the legal industry, making justice more inclusive and accessible to all.
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Teeth are not luxury mouth bones. They are part of your body and taking care of them is healthcare.
It sounds like you’re getting wisdom teeth removal and braces. The wisdom teeth can cause abscesses and pain, so they should be done no matter what. I would do that first, then shop around for the braces – prices vary drastically. Or save up a down payment for the orthodontic treatment to make payments lower. Also, if you are near a dentistry school getting braces done at the school is cheaper, the appointments will just take a little longer.
Note: if your wisdom teeth have to be removed with general anesthesia (oral surgery) that often falls under your medical insurance, rather than dental. Both of my kids were paid in full for wisdom teeth removal by our insurer. (YMMV)
FWIW, I used to be a dental assistant. What you are describing would not have been resolved for cheap as a child. Most people don’t get wisdom teeth until later in life, and the price of braces hasn’t changed that much in the last ten years.
I will say this. Ever since I got my teeth fixed, my life have gotten better. No pain, and I smile often now. Remember, if you don’t fix those overbites and get rid of those wisdom tooth asap, it will be harder once you grow older.
How do you pay for this?
Since you just graduated from college, apply for state insurance. Use dental coverage to get your teeth clean and to get all 4 wisdom tooth remove. Your dentist will make the recommended surgeon to remove your wisdom tooth based on your state insurance coverage. Or your dentist can remove those themselves.
Some state insurance companies do cover orthodontic care, and some don’t. Therefore, work for company like Amazon or Starbucks in their easy entry level job to use their insurance to pay for orthodontic care. It is 40 bucks per month but their insurance is amazing. Amazon covers 50% of the orthodontic cost.
Also, find a practice that accepts monthly payments. Your consultation is always free.
I don’t have an opinion on your question, but I’d urge you to get a 2nd if not a 3rd opinion before spending that amount of money on dental care. Some dental practices are known to over-recommend care, especially in new patients who are young (na├»ve) and admit to have deferred care.
Also, consider alternatives such as getting dental care at a dental school. It can be time consuming (much longer appointment times due to oversight and likely the need to drive further), but significantly reduces the cost, and is low risk with instructor oversight.
If you need orthodontia, there are cheaper alternatives now that you can look into (I think they have you do video consults with an orthodontist, have you take a mold at home and send it back, and they send you clear Invisalign-like trays to wear).
Ensure you ask the dentists what the order of priority is for the work. There may be no need to do it all at once. Although earlier is better if it’ll reduce future dental expenses (ie. if you wait you’ll need even more work) as well as improve the look of your teeth (which can play in to job interviews, dating, etc), don’t discount the effect of debt on your life, such as high monthly payments and how much extra you will pay with interest (whose rates are higher now than they’ve been in decades).
If you have dental insurance, it may be cost effective to get work done in different plan years (which often match the calendar year) as the annual limits reset each plan year, even if it slightly raises the total cost to do work in two sittings.
Hi. Can you break down each procedure and the cost? I am not an expert in this matter but I literally have my dentist, ortho and Endo on speed dial ƒÿ¡ƒÿ¡ƒÿ¡ .
I’ve had oral surgery (put me to sleep) twice due to bad dental habits during my teens. My parents werent the best support system growing up with this subject (both physically and financially).
I am now at 2 root canals and 4 crowns (all molars) I had braces for 25 months and when I show people my before and after their jaw drops ƒÿéƒÿéƒÿéƒÿé.
Im easily 10k+ deep in dental work and it was worth every penny if you ask me. Dental health is so important.
My mom is 70 and she needs a lot of work done so we are heading to a reputable dentist in Istanbul in Jan for 2 weeks.
What is your insurance situation?
It sounds like you may need orthodontic care which insurance would seriously help with. If there is any chance to wait for a job with insurance IÔÇÖd recommend that.
Otherwise I think you should prioritize certain components like getting the wisdom teeth removed before orthodontics.
Encourage you to get a second and third opinion as well.
Absolutely get your wisdom teeth removed. That should be under insurance.
Keep in mind that if you have an HSA/FSA, you can make this tax-deductible.
Invisalign is about $5k. I’d shop around to get a better price to get your teeth aligned.
You can also get dental work done at a dental school. I was going to say get Medicaid but then I realize you have your doctorate degree and get $3050/month.
My medical insurance paid 100% for my wisdom teeth removal, you should check if yours will cover medically necessary wisdom teeth removal.
Fix your teeth! ItÔÇÖs 100% worth it. I wish I started my braces when I was younger. I donÔÇÖt know why everyone is saying itÔÇÖs a scam in the US. ItÔÇÖs expensive, yes, but I wouldnÔÇÖt want to fly to another country just bc itÔÇÖs cheaper. With braces, you need to be going back to the ortho almost once a month. Flying to another country once a month for adjustments is ridiculous. Unless you live in San Diego or somewhere and can easily cross the border for cheaper dental. In that case, make sure to get a personal reference to avoid a bad dentist.
I think removing 4 wisdom teeth is the top priority. If you keep that one, it will keep pushing the other teeth and eventually create infection on gums. If that thing happens you need to remove the teeth next to wisdom tooth and do the implant, which will cost another 10K each.
I had 2 lateral wisdom teeth and kept it in my Ph.D years. I eventually got it removed, but I also had to remove the molar teeth next to it and do the implant.
Removing wisdom tooth wouldn’t be too bad. Maybe few thousand w/o insurance? It’s a lot but much cheaper than 10K
Wisdom tooth removal should be covered by your insurance and NOT part of the orthodontic treatment. Do that first, heal then pay it off. Tackle the orthodontics when thatÔÇÖs done. Get a second opinion as well. The price seems high for everything. Paid for braces a couple years ago. $5k would be expected not $10. $1k approx for the wisdom teeth with general anesthesia. (Impacted)
Dentist here.
A dental school would be a very good option for you. I wouldnÔÇÖt go over seas as you are gambling on the quality more so than if you stayed in the US.
The problems that you described sound stable (although only your dentist can tell you for sure) and not necessarily anything that you need to treat as an emergency. Remember that money should be saved for a purpose, and not for its own sake. Save for dental work to the extent that you can.
Yes you should get your teeth fixed. Hopefully you can find a cheaper and still safe alternative. Are you near a dental school? It takes forever but it’s a good start.
The unfortunate reality is that people judge people with bad teeth negatively, your employment options are limited, your social options are limited, and as a result of the bias, as well as the inherent dental problems, you will have an overall worse health outlook.
You may need to wait. Could your job options include an employer with decent dental insurance? If you can wait a year, save, get some insurance, it might not be as difficult.
Good luck. It’s unfortunate that you are in this position but clearly you are heading in the right direction.
Teeth **never** get cheaper to fix, and dental care has huge health implications through your life.
Would I fix my teeth when super young, even if ti means giving up saving for retirement for a few years? Absolutely.
you do not need to do this all at once. get the wisdom teeth removed first,, then take care of other conditions. Also shop around make sure the dentist is not overcharging.
If I could go back to my early twenties and change only one thing, it would definitely be to make fixing my teeth a higher priority. It has such a huge impact on quality of life down the road, and the recovery is much easier when you’re younger. If I were in your position, I’d discuss with the dentist all the work that needs done and make a plan to do it in stages that will be manageable within my budget. Prioritize the care and just start working your way through the plan. I was in the exact position as you at that age and decided to wait because I was put off by the cost. It was a big mistake.
You absolutely should do this for yourself. Please listen to me when I saw that taking care of your health and fixing your teeth will have such a positive domino affect on so many other parts of your life.
My parents also neglected my dental care growing up in a low income household and as I hit my 20s, I was terribly embarrassed that I hadnÔÇÖt been to the dentist in 10+ years that it caused me SO much anxiety that I didnÔÇÖt take the steps I needed to as an adult to address my dental health. Finally, when I was 42 yrs old, one day I just made the decision to tackle it head on and I visited a dentist for the proper cleanings and exams that I needed and got a referral to an orthodontist. That decision changed my life. Within 2 years, the biggest insecurity of my entire life was fixed and I felt amazing and super proud of myself for handling something that my parents couldnÔÇÖt/didnÔÇÖt do for me. During the 2 years I was in braces, I took the opportunity to focus on my health and weight and also addressed my pre-diabetes, lowering my A1C to normal range, and lost 80lbs. All because of the decision I made to fix my teeth. Sounds dramatic, I know, but I canÔÇÖt emphasize enough how that one decision was like the catalyst for improving my life. I have some before and after pics on my profile if you want to see how much of a change it has been for me. Best of luck to you and I hope you do this for yourself ƒ®À
Buy a plane ticket to Turkey or Hungary or wherever and get it done there for way cheaper.
You said this includes orthodontia correction (braces)? If so, $10,000 is not to bad. My 12 year old daughter is getting ready to have braces put on (she has similar issues to yours) and it’s going to be around $6500 after all is said and done. We are trying to get our daughter’s teeth fixed now because both my husband and I had braces as an adult. I had an open bite, so when I ate, all of the force was on my back teeth which started to develop cracks. Braces were to correct that so that I could avoid pricey root canals later. My husband’s teeth were also badly over-crowded. His canine’s came in on top of his other teeth, which put a lot of pressure on his nasal cavity. He had horrible headaches, and constant infections, from the pressure. He had 2 teeth removed, and braces, which straightened out his teeth. No headaches or infections since. With that being said, correcting the issue now will save you a lot of trouble down the road, not to mention the affect on your self-confidence.
Your older self is going to be so grateful to you for taking care of any problems now. Dental issues only get worse over time.
Do whatever it takes to fix your teeth while you are young and stay on top of it for the rest of your life! IÔÇÖm 62 and have no molars on the top. ItÔÇÖs going to cost me a gazillion dollars just to get to the point weÔÇÖre I can get to dentures. TAKE CARE OF YOUR TEETH. You donÔÇÖt realize that they are a priority until itÔÇÖs too late.
Getting your wisdom teeth out younger is easier than later. And get them all out on the same day (aftercare is annoying so do it only once).
I had a dentist tell me they only do two at a time. I asked a dental-asst-friend and they told me thatÔÇÖs not true. I went to a different dentist and he got them all done in one day (and told me the reason was the other one probably had less experience; I had a complication and he told me the other one probably would have had to send me to a surgeon). So find a good dentist just in case!
Also, part of the cost that isnÔÇÖt supported is whether you get local anesthesia or get knocked out by an anesthetist. Local is much cheaper, but youÔÇÖll be awake the whole time. I didnÔÇÖt mind it.
And of course donÔÇÖt trust internet for advice 🙂 your situation may be more complex than anyone elseÔÇÖs here.
Yes. This is why God created money. Do it, you will not regret it.
I have really bad grinding and clenching habits when I sleep due to a terrible overbite. These problems can cause sleep apnea, neck pain and jaw pain if not corrected. The clenching has managed to kill the nerve in one of my molars (I did not know that could happen). It is worth the investment for your health. I’m getting Invisalign soon, though! Finally fulfilling a lifelong dream to have straight teeth at my wedding and I’m in tears even thinking about it. It’s awesome.
Get your teeth fixed.
Fly to Europe to get it all done. Best treatment in Mediterranean countries would cost 1/5 the cost.
I did this.
Orthodontist here. 10k seemed like a bit high for orthodontic treatment and extraction of wisdom teeth, taken into consideration that your insurance covers 50 percent of extraction. What state or city are you located in ? If you are located near any ortho colleagues that I know then I can ask them for a complimentary consultation
I was in your boat, never saw a dentist until I joined the military. My teeth are pretty jacked up but solid and healthy, just crowded and crooked. I would have jumped at the chance to get them fixed when I was younger. Don’t let it go, I feel you’ll regret it.
Is there a dental school nearby? They often do things cheaper and under the supervisor of a dentist.
Could be worth looking into.
Once you get your teeth fixed (whatever that means to you personally), you will really see a difference in your self-confidence. Sounds weird but it’s true. Even small things.
If you have the ability I would highly recommend getting it done. The quality of life improvement will be priceless.
You should at a minimum get the wisdom teeth removed. And do it NOW.
Some offices are able to help students / poor people with a sliding scale fee structure. I got a $2000 gum cleaning billed as $500. You can also ask about resources from your universityÔÇö at mine (the union contract won us) thereÔÇÖs a health fund you can get reimbursed from for costs like this
Look into indigent support stuff for this dental bill; this was also me with impacted wisdom teeth which needed general anaeathesia and a underbite (lower jaw protrude out). Needed braces and wisdom teeth out, then lag time until surgery to cut and slide the jaw back, heal up, braces removed.
Kaiser permanente was apparently the cheapest back in 2007 for this. DonÔÇÖt know if that helps. DonÔÇÖt go too cheap of course: mess up the jaw surgery and you could damage nerves and cut arteries. I had tingling sensations for weeks afterwards, and that was a pretty good job of it.
Get your teeth fixed. Dental care is a health expense ÔÇö health expenses only get more costly (direct and indirect) with time.
Get a quote from another orthodontist. $10k is really high even including the extractions. Maybe see if there are dental schools in your area.
As someone who was in a similar situation as you, paying for orthodontia was 100% worth it. It is an investment in your physical and mental health.
There is such a thing as medical and dental tourism, could be worth looking into.
Absolutely do this. My husband has Invisalign now and I can see such a boost in his confidence . Looks arenÔÇÖt everything of course, but now his smile will match the handsome, successful man he is. His braces were 8k, and the ortho has no interest. We pay monthly and I think it was worth every penny!
Try a dental school. UCLA and USC were two amazing places when I had to count every penny. Your school may have a program and student dental insurance too.
It took a little longer than a normal dentist to get done because after so many steps, the professor had to come and check the studentÔÇÖs work.
I had one tooth that they really wanted a crown on, but it was on the edge of crown and fillings. I asked them to save me the pain and just do a filling. Ten years later a regular dentist complimented the studentÔÇÿs work as a crack in a different part of the tooth meant I finally needed the crown.
YMMV but itÔÇÖll be significantly cheaper than 10,000$$$$ AND will be the best second opinion possible, the student AND the professor.
all i have to add is that you should 100% shop around and get multiple quotes for both orthodontia and wisdom teeth removal!