A Personal Story: Post-Recession Coverage – Kate, Thetford

Kate and her family moved to Thetford, Vermont, from Boston a year ago. When she was living in Boston, Kate had full dental insurance through her job in education. Her dentist at the time was recommending a lot of procedures for her, including scaling and a steel implant for a 12 year old molar that never came in. Kate moved before getting those procedures, and it was 18 months before she managed to see a dentist in the Upper Valley. Kate was surprised, and somewhat relieved, that her new dentist did not recommend any of these procedures. She suspects they were financially motivated: “It was a reallly really big operation in Boston with probably a lot of overhead. And it was part of a university system that’s self-insured.”

With Kate’s new job, she has fewer dental benefits: “It’s post recession so…a lot of schools scaled back on their employee benefits.” At her new dentist she pays for her work ahead of time, and then the dentist submits the bill to the insurance company and Kate gets reimbursed. “Anything I do have done I’ll feel it in my pocket.” Kate’s coverage has gone from 100% to 50-80%. Fortunately at this point she just needs a few fillings and other basic maintenance. She’s really glad her new dentist is not recommending the procedures the old one did: “I’m glad it’s not reversed.”

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