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Going Broke because of tmj....

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Old 07-09-2009, 06:10 PM   #1
Jill 227
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Question Going Broke because of tmj....

How have you all paid for your tmj treatment, especially if you've tried treatment with multiple doctors? Especially if tmj is excluded on your healthcare plan. (and no dental ins. on top of things). Our homes aren't worth anything, and banks aren't lending any $$ out right now. Does anyone have any clever ideas on the subject??

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Old 07-10-2009, 01:40 AM   #2
Join Date: May 2009
Location: Birmingham UK
Posts: 65
AndreaL HB User
Re: Going Broke because of tmj....

I have no idea I'm afraid! We rent privately, can't afford to save money for a deposit to get our own home, can't afford to save for our daughter to get a good education and don't know how we're going to afford treatment for my tmj.

Here in the UK we have the National Health Service which provides free healthcare but when it comes to tmj, the NHS are limited as to what they will offer, I am basically being told that it's jaw surgery or nothing. So if I choose to try other treatments then I have have to pay out of my own pocket.

Wish I could offer some advice but I'm afraid I can't.

Last edited by AndreaL; 07-10-2009 at 01:41 AM.

Old 07-10-2009, 10:41 AM   #3
Join Date: Jan 2009
Posts: 92
madnmas HB User
Re: Going Broke because of tmj....

I, too, am in a tight position. My dr. wants me to pay $2900 out of pocket and my insurance ( as good as it is) does not cover mouth appliances which is the most expensive.

This is sad to say, but I would love to see a poll on this board with how many people are actually having to choose to "live with it" right now. That is exactly what I am having to do. I take pain medication (when I choose) and the other part of the time I live with pain so I don't overdo OTC meds.

The majority of the people put Obama in office. Maybe he can give us some "change" to help us out with our health..but I doubt it.

Old 07-10-2009, 01:09 PM   #4
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Location: mountain view, ca
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loudawg HB User
Re: Going Broke because of tmj....

I look back to a response I posted on this board 2 years ago about taking a 0% dental loan for $5000. At the time, I thought "what's the big deal? I would gladly pay $5000 to get better." Little did I know then that the initial $5000 would be followed by another $5000 for another splint attempt and then another $2500 for another dentist attempt. This doesn't even count all the money I've sunk into alt therapies like PT, Chiro, Massage, Acupuncture, Osteopathy...

Luckily for me, I've managed to get my health insurance to pay for a decent chunk of the alt therapies and the first splint entirely. Also, my dental insurance covered up to $1500 for TMJ over a lifetime. I used all that up too.

One thing though in regards to insurance is that you have to be persistent. Look into getting the dentists office to file the claim under "myofasical pain" rather than "TMJ". A lot of seasoned TMJ dentists offices know this. I've spent hours on the phone with the insurance company discussing what they will cover.

I am in a better place w/ the pain than 2 years ago. I stick mostly to trying the alt. therapies that my insurance covers. Meanwhile, I research my next TMJ dental approach, but am being very cautious in doing so because I don't want to throw more money down the drain.

Good luck.
- Loudawg

Old 07-10-2009, 01:52 PM   #5
Join Date: Feb 2009
Location: SW Ontario, Canada
Posts: 82
bassclari HB User
Re: Going Broke because of tmj....

Originally Posted by madnmas View Post
The majority of the people put Obama in office. Maybe he can give us some "change" to help us out with our health..but I doubt it.
It isn't only the States, trust me. Here Canada, at least in Ontario, dental is not paid for under our provincial health plan, in any way, shape or form. And it is unfortunate that the benefits packages I've seen from several different employers also do not cover tmj treatments, even the best plans don't want to cover tmj.

If only someone would do a study, and prove what health problems are related to tmj issues and show the related health care costs, it might make some of these companies sit up and take notice.

As for how to pay...does your specialist offer a payment plan? I totally understand the extra costs involved (chiro, etc), but the ultimate goal is for you not to have a need to those care providers after the tmj treatment is completed.

Old 07-10-2009, 03:18 PM   #6
Join Date: Jan 2009
Posts: 92
madnmas HB User
Re: Going Broke because of tmj....

Mine offers a credit card available for 12 months zero interest with Citi Card. We already have an account with them. It's not good for your credit to open up numerous credit cards with the same company.

Coincidence, eh?

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