What is the name of your state? California!
I recently had some major dental work done, advised by my dentist. He had me wait until the beginning of the year so that my insurance would cover the work (I selected him from a list from my provider). The day I went into the office, they told me my insurance would cover $400 and that I had to pay the remaining balance, with was another $400. I told them I could not afford any of that, so they advised me to open up a credit card, which wouldn't charge interest for the first 3 months. It seemed somewhat reasonable at the time, so I paid them $100 and put $300 on the credit card, expecting to pay $100/month for 3 months and avoid interest charges. I went ahead with the work. About two weeks later I received the credit card bill and, much to my surprise, another bill from my dentist, for $400! They said that my insurance company didn't cover the work after all, that it was not within the appropriate time period for major work! Now I have two bills coming in at the same time, and even though I wrote a letter to the dentists office asking them to please hold my account and not charge me late fees while I paid off the credit card bill, they've charged me late fees and interest! What should I do? I never would have gone ahead with the work had I known my insurance provider wouldn't come through -- but the office was on the phone with them that very day verifying my coverage???
I recently had some major dental work done, advised by my dentist. He had me wait until the beginning of the year so that my insurance would cover the work (I selected him from a list from my provider). The day I went into the office, they told me my insurance would cover $400 and that I had to pay the remaining balance, with was another $400. I told them I could not afford any of that, so they advised me to open up a credit card, which wouldn't charge interest for the first 3 months. It seemed somewhat reasonable at the time, so I paid them $100 and put $300 on the credit card, expecting to pay $100/month for 3 months and avoid interest charges. I went ahead with the work. About two weeks later I received the credit card bill and, much to my surprise, another bill from my dentist, for $400! They said that my insurance company didn't cover the work after all, that it was not within the appropriate time period for major work! Now I have two bills coming in at the same time, and even though I wrote a letter to the dentists office asking them to please hold my account and not charge me late fees while I paid off the credit card bill, they've charged me late fees and interest! What should I do? I never would have gone ahead with the work had I known my insurance provider wouldn't come through -- but the office was on the phone with them that very day verifying my coverage???