WR $ vent. Long, FWP.

jenna8984 · August 2014

JCbride2015 said:

@FutureMrsN3312 Yes, please PM me that info! $2200 is still kind of a lot but it's super reasonable around here.

Oh and invitations! And all those little paper things that add up-- menus, escort cards, etc. This will be tricky to keep the cost down because I'm a nerd and I love paper. I'm going to have to keep an eye on coupon deals online.

You don't need menus or programs, I've never been to one that had them. If you do basic invitations without inner envelopes, you can get away with saving money on both the invitation and the postage (mine were all standard postage).

Even escort cards- I forget how many people you're inviting but I've seen a lot of "charts" instead tht list names alphabetically with the table number. Even at ones with 160 guests this didn't seem like a problem/ hold up.

I made the table chart and matching table numbers out of file folders. Seriously, I got a box of 12 file folders from Marshall's ($8) that are decorated in a vintage travel theme. They are thick like cardstock and even have gold embellishment printing on them, they are gorgeous. I cut them up and arranged the solid green sides onto the printed sides (so the design makes a border) and I put the table number and the guests names inside the solid green area. I did the same to make the table numbers on each table. I'm not very "artsy" so I am super impressed with myself and it took like 2 hours to do it all.

daria24 · August 2014

Apartment situation-stay. Moving in the NYC area is too awful, if you are looking to buy in the near future, it's just not worth it to move.

Teeth-you should ask your surgeon if they have a deal with Care Credit. When I got my teeth (cosmetically) fixed, they had a deal for zero interest for 24 months, and I knew I could pay it off in time (I could have paid for it out of pocket, but this was a more comfortable payment plan). The interest is insane though, after the promotion expires, so make sure you can pay it off in time.

Paper goods-skip menus & programs. Do simple 5X7 or 4X6 flat card invitations. If you have a home printer, or one you can use at work, Paper Presentation on 18th St btw 5th&6th has pre-cut flat cards in pretty much every size, as well as pre-scored escort cards, in pretty much every color. That's what we did. You can design your own invites or pay a pretty small amount to an Etsy vendor to send you a PDF design.

JCbride2015 · August 2014

Thanks for the local suggestions @daria24! I'll definitely look into Paper Presentation. Although that sounds like the kind of place I could walk into with good intentions and walk out with an armful of fancy expensive pretty cards and paper. I'm a monster.

Care Credit is a great idea and I will definitely look into that. It would help to spread out the payments as long as there is no interest; then it wouldn't all need to be paid upfront before the wedding.

wandajune6 · August 2014

JCbride2015 said:

sarahufl said:

Smartyhadaparty.com has great, cheap table cloths/overlays/runners. I got these (http://www.smartyhadaparty.com/Silver-Taffeta-Crinkle-Table-Runner-i8367.aspx) and I thought they looked great. I paid $200 for all my flowers (3 BM bouquets, my bouquet, 2 corsages, 10 bouts and all our reception flowers). We got them from Whole Foods and arranged them ourselves. The drawback is that you have to be able to store them. As much as I love myself some peonies, maybe choose cheaper flowers? IMO, bathroom baskets, welcome bags, favors, etc are the first to go. Little "cheap" things REALLY add up. For delivery, etc- this is NY. Can't you hire some folks on Craigs List to move things around for you?

I was thinking about that. TaskRabbit may be a good option to find somebody who has been "vetted" a little bit to transport the flowers.

Funny thing is, I thought peonies would be really expensive but because they will be in season, they actually aren't much on the bulk websites.

Getting them from Whole Foods or Costco and arranging them ourselves is looking like a good option if I can sort out the storage and transport stuff.

I really just need to get some floral quotes and compare. I think I'm just putting it off because I'm dreading getting those really high numbers and the subsequent freakout.

Don't even bother arranging them yourself- they sell premade centerpieces. We're using these: http://www.costco.com/12-Spray-Rose-Bouquets---144-Stems.product.100070685.html

No vase so we're using the free ones at the venue which I think are basically just DollarTree cylinder vases. You can get bouquets and bouts there as well though our local florist did better.

daria24 · August 2014

JCbride2015 said:

Thanks for the local suggestions @daria24! I'll definitely look into Paper Presentation. Although that sounds like the kind of place I could walk into with good intentions and walk out with an armful of fancy expensive pretty cards and paper. I'm a monster.

Care Credit is a great idea and I will definitely look into that. It would help to spread out the payments as long as there is no interest; then it wouldn't all need to be paid upfront before the wedding.

I work across the street from Paper Presentation. I feel high when I go in there, I just want to twirl around like Maria Von Trapp and buy all the paper. When I'm bored on my lunch break I go in there and look at the $30 a sheet wrapping paper and imagine what I would do with hand painted gift wrap. If you decide to go shopping there I get to come and live vicariously through you

And slap your hand if you try to buy something you don't need. They do have a very good return policy though if you end up buying too many packs, and you can buy samples of everything.

jenna8984 · August 2014

daria24 said:

JCbride2015 said:

Thanks for the local suggestions @daria24! I'll definitely look into Paper Presentation. Although that sounds like the kind of place I could walk into with good intentions and walk out with an armful of fancy expensive pretty cards and paper. I'm a monster.

Care Credit is a great idea and I will definitely look into that. It would help to spread out the payments as long as there is no interest; then it wouldn't all need to be paid upfront before the wedding.

I work across the street from Paper Presentation. I feel high when I go in there, I just want to twirl around like Maria Von Trapp and buy all the paper. When I'm bored on my lunch break I go in there and look at the $30 a sheet wrapping paper and imagine what I would do with hand painted gift wrap. If you decide to go shopping there I get to come and live vicariously through you And slap your hand if you try to buy something you don't need. They do have a very good return policy though if you end up buying too many packs, and you can buy samples of everything.

Clearly you need a gift-wrapping room like Candy Spelling!!!

JCbride2015 · August 2014

jenna8984 said:

daria24 said:

JCbride2015 said:

Thanks for the local suggestions @daria24! I'll definitely look into Paper Presentation. Although that sounds like the kind of place I could walk into with good intentions and walk out with an armful of fancy expensive pretty cards and paper. I'm a monster.

Care Credit is a great idea and I will definitely look into that. It would help to spread out the payments as long as there is no interest; then it wouldn't all need to be paid upfront before the wedding.

I work across the street from Paper Presentation. I feel high when I go in there, I just want to twirl around like Maria Von Trapp and buy all the paper. When I'm bored on my lunch break I go in there and look at the $30 a sheet wrapping paper and imagine what I would do with hand painted gift wrap. If you decide to go shopping there I get to come and live vicariously through you And slap your hand if you try to buy something you don't need. They do have a very good return policy though if you end up buying too many packs, and you can buy samples of everything.

Clearly you need a gift-wrapping room like Candy Spelling!!!

Me too. I can dream.

Liatris2010 · August 2014

JCbride2015 said:

As I gear up to start my job, we are taking financial stock of our situation and checking that we will have enough to save for the wedding. Our lease is up around the time I start, and we must choose between paying another annual rent increase, or moving. I also really need to get my two front teeth replaced with implants (they are literally falling out because my orthodontist fucked them up years ago-- yes, I have all the feels about this).

We both also have credit cards to pay off. A few months ago we were really confident that we could pay off our credit cards as well as save enough for the wedding. Now with our rent situation and the huge cost for my teeth, I'm not really sure we can do that. So we need to cut back on the wedding or other expenses somehow.

Fi and I talked about this last night and we really have no great solutions. We do want the wedding we have planned, and we would lose a lot of deposit money if we backed out now.

So here are the things that would not drastically change the wedding and are within our direct control to fix. Thoughts? Really I'm just looking for you to tell me it will be okay and work out (I want SUPPORT and VALIDATION, you guys! We are all brides here! ;] ) But seriously, if anybody can think of trade-offs or angles I haven't considered, I'm all ears.

-- Our living situation and rent. This is the big one. If we do move, we want that apartment to be the last place we rent before we buy. Our options are:
1) Stay where we are. Small one-bedroom. Accept the annual rent increase of about 6%.
2) Move within our building to a smallish two-bedroom. Pay about an extra 20% over what we currently pay. No moving costs, no deposit, no broker fee.
3) Move outside our building to a two-bedroom, look for a better rental rate. Pay moving costs, deposit, and probably broker fee. I hate this idea.
4) Stay where we are for now. Upgrade within the building around the time of the wedding for a $1000 flat fee to break the lease (less than the extra rent for those months if we did it now, but we're still eating that $1000).
-- Keep the guest list as close as possible to the catering minimum of 150, of course. This will be harder said than done because of Fi's huge family and there may be some hurt feelings.
-- Other wedding expenses to cut: flowers, transportation, little things like bathroom baskets and guest bags. I want fresh flowers but I'm okay with very simple arrangements. Our hotel is 5 minutes from the venue so we may take a regular taxi, no limo. We can skip bathroom baskets, guest bags, and favors altogether if we need to. Am I forgetting any other details that can be saved? My fear here is that because we have chosen a formal location, those little extras will be missed.
-- We have already decided to take a really low-key, local mini moon and then delay the big honeymoon for several months.

FUCKING TEETH, man. I just reread that and seriously, it's the fucking teeth that are throwing a huge wrench into this. Gahhhh. And yes, I know this is all FWP (except maybe the teeth; my teeth falling out just sucks). I'm going to have a great job and I'm so excited to marry Fi. I'm stressing about paying for a party. Just thinking about it that way does take some of the pressure off.

1. Stay where you are, try to negotiate your lease. Often, the rent must be upped, but they can work with you on other stuff. One year our rent went up, but we were able to negotiate our pet fees and garage costs down, so our payment stayed the same.

2. Used potted flowers instead of cut for centerpieces. You can get a good price on something seasonal at a garden store and they don't need to be arranged, just plopped on the table. Easy. You might be able to get BM bouquets from the grocery store or Costco, or cut them all together. My BMs forgot to grab their flowers for pictures, so it is like their flowers never even existed. The pictures are still lovely.

3. Skip the limo. My mom drove me to the venue and my MOH drove me and H back to the hotel. Didn't miss the limo at all.

4. I think the mini-moon is a great idea!

5. Can the dentist work out a payment plan with you, so that you don't have to charge it or pay all at once? Dentists know they are expensive and are usually willing to worth with their patients.

Junebug2015 · August 2014

PPs have great ideas.

You could look into non-floral centerpieces to cut down on flowers even more. I don't know if it's your style (or in the venue's style), but you can go the Ikea lantern and candle route, with a few stems in bud vases on each table (like this - http://media-cache-ak0.pinimg.com/originals/ea/60/ff/ea60ff8fe60c2893bcd2805024bee49d.jpg). I agree with others that often candles are just as beautiful, if not more so, than floral arrangements. Especially since you don't start working until October, you have a month to scour Craigslist and secondhand stores for cheap lantern and candleholder options, especially as we tie up the summer wedding season and brides are looking to get rid of their decorations.

Paper products are another big money drain (although also my Achilles heel!) and I would look into using a big sign for table assignments.

Finally, things like welcome bags, favors, and bathroom baskets are easy to cut now and add in later if (a) you end up having a little extra or (b) you have a generous friend or family member who offers to cover it. I have been really surprised at the people who have jumped at the opportunity to take charge of something like this (my godmother is putting together welcome baskets, a family friend has offered to be in charge of bathroom baskets). You shouldn't count on that, but you never know when people will offer to help.

jenna8984 · August 2014

Junebug2015 said:

PPs have great ideas.
You could look into non-floral centerpieces to cut down on flowers even more. I don't know if it's your style (or in the venue's style), but you can go the Ikea lantern and candle route, with a few stems in bud vases on each table (like this - http://media-cache-ak0.pinimg.com/originals/ea/60/ff/ea60ff8fe60c2893bcd2805024bee49d.jpg). I agree with others that often candles are just as beautiful, if not more so, than floral arrangements. Especially since you don't start working until October, you have a month to scour Craigslist and secondhand stores for cheap lantern and candleholder options, especially as we tie up the summer wedding season and brides are looking to get rid of their decorations.
SITB
True story! I paid $150 for my 10 lanterns (not even the stuff inside them) and I already have someone lined up to buy them for $70 just because I need to get them the heck out of my guest room after the wedding.

lyndausvi · August 2014

Everyone has great replies.

I would stay put. Sure it sucks to pay a little more, but moving sucks, then you have other expense that ALWAYS goes along with moving. Moving into a 2 bedroom? Well you need a bed, maybe some new sheets, curtains. Extra bathroom? Damn I need rugs, trash can and other crap to decorate it. You always need more boxes or shelves or whatever when you move. It's crazy how it happens, but that shit adds up.

Ditto looking into payments with the dentist.

ETA - do not forget about connection fees. Those companies love to get you on that kind-of shit. Oh you are moving down the hall? Let me charge you $45 to reconnect you. Yeah, your right, all I have to do push a button here on my computer. GRRR.

hellosweetie1015 · August 2014

jenna8984 said:

That really stinks. I like PP suggestions so far, I'm definitely on board with cutting limos, favors, downgrading flowers, possibly photo booth. Is there anything you could work out with other vendors such as an hour or 2 less with the photographer? Do you have any friends that do services you need? I am absolutely not advocating asking them for free service, but I asked my hairdresser, makeup friend, and baker friend to do those items (that I intended to pay them for) and they all offered them as gifts. I'm super grateful- maybe you have someone like that? Even if you still pay their top rate, it's nice to give business to a friend and give them future referrals.
I think staying in your apartment is the best best. 6% is really not that much. If your rent is say $2500, it's an extra $150 a month, which beats all the other options in my opinion. Do you have other everyday living expenses that can be cut? Like going out to eat? Getting hair and nails done regularly? Downgrading the cable package?

To the bolded: SHIT FIRE. There goes my dream of living in NYC - or anywhere with a higher COL than what I've got. I don't make half that in a month.

JC, to give a possibly helpful response after my dreams got crushed by Jenna...

1. Stay. Don't fiddle with moving, don't add that stress in on top of wedding and new job and teefs. Although if there are any included things like cable/parking/whatever, do see if you can get a little wiggle room.

2. Cut whatever you can:

PP's have great suggestions re: flowers, but - as I don't want flowers - I got nothin' on that front.

DEFINITELY look at paper-goods a little bit - do you need programs? Escort cards? Menus? I know you want them - you wouldn't have mentioned them otherwise - but most people will have selected their menu item already, so menus aren't necessary. Escort cards vs. one big table list - I'd price both of these out at a print shop to see if the 18x20 would actually be cheaper than getting tear-apart business/escort cards and having them printed on. I know an 18x20 at the store I worked at was $12.99 plus tax, where 150 of the Avery prescored business cards only cost about $1.50 plus tax (10 per sheet, black printing). Of course you had to buy the cards, so it may not even out.

Transportation is not a super-huge-essential. At least, the limo part of it isn't. Yes, you have to get there. No, you don't really have to spend $150(+?) on getting there.

Honest question: WTF is a bathroom basket? I dunno, I literally would never miss this. All I can think about is, like, when old, creepy gas stations or shoddy country restaurants don't have a functional paper-towel-holder so they put all the little interfolded paper towels in a little dusty wicker basket, which is definitely not what I think when I think "formal". So honestly - someone enlighten me.

Photo booth: You want this. Yes? This is a thing you want, I seem to recall reading. So perhaps you find a way to make THIS work without breaking the bank. Have it for a shorter time. If your reception goes to 11, maybe have it until 10? People will probably be clearing out a little by then, but it also gives you plenty of time to have dinner/get the Reception Must Do's out of the way so people can actually take a few minutes and use it. Or cut out the aforementioned bathroom basket things.

Favors: Meh. No real advice here. I mean, I'd cut them entirely, but I figure my peeps won't want MORE craptastic junk in their lives, and I sure as shit don't. So - unless I find the deal of the millenium on koozies I can emblazon with our initials and wedding date - not my bag.

3. Once you hit your number, or either complete the circle of family/friends, you're done. Save the spreadsheet, close the notebook, put down the chisel and hammer, whatever. Done done. "Unfortunately we weren't able to invite everyone we wanted. Here's some bean dip ice cream, it's surprisingly delicious." I guarantee you, my people (possibly all of them - FI's getting financial worries on him now, and we may end up on the steps of the Courthouse here with Bossman's brother marrying us) are going to be PISSED THE FUCK OFF when they find out I didn't invite them. But they literally cannot argue with "We couldn't, sorry." Nothing there to argue. Also - unless his family is HUGE HUGE HUGE then a reasonable amount of people - first or MAYBE second cousins, really, and that's about it - shouldn't be a problem. Great-Aunt Marge, who is actually your second cousin's mom's best friend twice removed? Nope.

4. Teef. Get those fixed. Care Credit might be an option. Your new insurance may help that option. Shop around a little to see if there's someone reputable who can do it for a little less than what everyone else is charging. See if they'll negotiate with you. I found out the other day that when my wisdom teeth got cut out, insurance barely paid half, and my mom paid on the uninsured part for years, sending $10 or $20 a month until it was paid off. Your teeth are super important, and most oral/maxillofacial surgeons get that it can be a lot, especially if you've got a major issue like what it sounds like you've got. Get yo' teefs fixed though.

Goooooood luck. I know everything will work out.

theartistformerlyknownas · August 2014

Just when you're cutting your guest list, make sure you don't cut me. Cuz I'm definitely coming. I don't need an escort card, I'll find my seat at table 2. You're welcome.

jenna8984 · August 2014

@caittdid23 Sorry!! I actually thought that estimate was low for NYC too so I was surprised I was dead on! I'm pretty sure in terms of cost of living NYC is always #1, San Fran is always #2, Honolulu #3.

Cookie Pusher · August 2014

lolo883 said:

Just when you're cutting your guest list, make sure you don't cut me. Cuz I'm definitely coming. I don't need an escort card, I'll find my seat at table 2. You're welcome.

You can totally sit with me and DH. We were already planning on showing up in our best dressy casual and gifts wrapped in burlap!

steph861 · August 2014

Here are my suggestions:

1. Get rid of all paper products except those that are absolutely necessary (i.e., invitations and thank you cards). Don't buy thank you cards as part of a suite, since that's likely more expensive than going to the store and picking up a pack of nice ones.

2. Put a number of small, skinny bud vases in the centre of each table and then put a single (in-season) flower in each one. Use an eclectic mix of vases that you and your family have (or that you can get at the thrift store) to further cut down on costs.

3. Get ride of the bathroom baskets and favours.

4. Does anybody close to you have a nice car you could borrow just for the ride to the venue?

Definitely look into whether your dental insurance will cover implants. Replacing your front teeth isn't exactly a purely cosmetic procedure, so I would hope they cover some of it.

It will work out.

theartistformerlyknownas · August 2014

Cookie Pusher said:

lolo883 said:

Just when you're cutting your guest list, make sure you don't cut me. Cuz I'm definitely coming. I don't need an escort card, I'll find my seat at table 2. You're welcome.

You can totally sit with me and DH. We were already planning on showing up in our best dressy casual and gifts wrapped in burlap!

I was planning on wearing my wedding dress - this is a fancy event, after all, and it's the nicest dress I own. And it's not WHITE-white, so that's totally cool, right?

sarahufl · August 2014

jenna8984 said:

@caittdid23 Sorry!! I actually thought that estimate was low for NYC too so I was surprised I was dead on! I'm pretty sure in terms of cost of living NYC is always #1, San Fran is always #2, Honolulu #3.

Spoiler alert- It isn't low.

larrygaga · August 2014

It seems like your best option is to stay put. Maybe it's not the cheapest, cause I am not doing math today, but seriously moving and a new job and your teeth and your wedding are too many things at once. I know because my stress from overloading myself is currently giving me a heart condition, and now I have to cut back on the wedding to pay for medical bills. I was honestly most stressed about wedding planning, when it mattered the least. Kind of like you! lol!

Some things I am doing are getting married in a low-key month, I probably won't send out STDs. I might send out emails because there are a few people who would have to fly in, but mostly everyone is local and very involved. I probably will do my own nails, makeup and maybe hair (but I'm good at it, some people need a professional) I will try and make sure my shoes and underthings are a little cheaper. Every little thing really adds up, it's not like you have to cut out the DJ. Just take a little off each section of your wedding, and voila!

LabLove86 · August 2014

JCbride2015 said:

lolo883 said:

I bought the overlays here (antique gold and aqua). I got the 90" square for $4.50 each because I have 10-top tables; if you have 8-tops you could go with the 72" square for under 4.

http://weddinglinensdirect.com/orsqtaov3si.html

Also, I have really shitty dental insurance but mine covers bridges with a $250 copay... maybe you could go that route rather than an implant in the short term, and have some more time to save up for the implants after you get your new place?? Might be something to discuss with your dentist once you have your full insurance details.

@lolo883 You are the best. Those table overlays look like they would really work and that's a great price. Did you receive yours yet? How is the wrinkle situation?

A bridge would also be an option. My sister's a hygienist and we were just talking about it this morning. I also have an appointment today with another dentist to get a second opinion. The issue with the bridge is that they must file down the adjacent teeth and it is only a temporary solution, so I don't want to ruin the good teeth on either side and then get implants. But I will definitely talk to the dentist about it.

The issue with a bridge if you do want implants down the road is that they would then have to crown the teeth that were filed down for the initial bridge - like you said. Ultimately the cost would be double (yes insurance would pay for part of the bridge - and you're correct - insurance USUALLY doesn't cover much, if anything for implants) if you got the bridge first then the implants as opposed to if you just got the implants.

FWIW - all of my patients that have implants LOVE them. I have had no one complain about them. I cannot say the same for all of the patients I've seen with bridges.

Either way - Its a shitty situation and I'm sorry you have to deal with that on top of everything else you're dealing with.

luckya23 · August 2014

I agree with the not moving just yet. Even moving down the hall still means you have to pack and unpack and reorganize everything!

As far as the dental work, I think you really need to wait and carefully go over your available benefits. If I knew I had something huge like that coming up, for instance, the first thing I would think about after insurance would be if your job has a Flexible Spending Account, and if the work would be covered.

The money you put into an FSA is pre-tax, so that's a savings right there, and you elect the amount you want to contribute at the beginning of the plan year, and that entire amount is available at the start of the plan, even though you continue contributing equal amounts per paycheck through the entire year.

Plus if you start at the beginning, that's money you never miss from your paycheck!

The one thing to be careful about is that the money has to be spent in the same plan year, and you lose anything that you don't spend.

missdelilah · August 2014

Oh dear! It sounds like you're going through a terribly tough time, and I hope things sort themselves out soon. I don't have anything to add that PPs haven't brought up. Just giant hugs. xx

arrippa · August 2014

alucky23 said:

I agree with the not moving just yet. Even moving down the hall still means you have to pack and unpack and reorganize everything!
As far as the dental work, I think you really need to wait and carefully go over your available benefits. If I knew I had something huge like that coming up, for instance, the first thing I would think about after insurance would be if your job has a Flexible Spending Account, and if the work would be covered.
The money you put into an FSA is pre-tax, so that's a savings right there, and you elect the amount you want to contribute at the beginning of the plan year, and that entire amount is available at the start of the plan, even though you continue contributing equal amounts per paycheck through the entire year.
Plus if you start at the beginning, that's money you never miss from your paycheck!
The one thing to be careful about is that the money has to be spent in the same plan year, and you lose anything that you don't spend.

I was going to mention something like this.

When you start your new job, see if they offer something like Wageworks. It's a company that takes your money out pre-tax and gives you a healthcare flex spending card. I used that to pay for my one dental implant, because my insurance refused to pay for it. (they see it as a cosmetic procedure) You end up paying less for it since they tax you less on your paycheck and they can spread it out to each paycheck for the year.

JCbride2015 · August 2014

sarahufl said:

jenna8984 said:

@caittdid23 Sorry!! I actually thought that estimate was low for NYC too so I was surprised I was dead on! I'm pretty sure in terms of cost of living NYC is always #1, San Fran is always #2, Honolulu #3.

Spoiler alert- It isn't low.

Well, obviously there is a range. I have friends who pay between $1800-2600 for studio apartments above 96th St. But the rents are drastically cheaper up in Harlem, or on the Lower East Side where there is no subway. It's all relative to the neighborhood.

Our rent is actually a little under $2500 and we rent out our parking space for $155, so the effective rent is really more like $2350. Our money went farther in Jersey City than in Mahattan, so here we are. Our previous one-bedroom was $1800, but that's the garden apartment that got flooded in Sandy. We moved quickly to what was available. Could we have found something cheaper? Probably. But we were homeless, quite literally, so we took what we could get.

JCbride2015 · August 2014

Update about the TEEF. I knew I had two that were really bad and two that were only sort-of bad. Well, dentist says all four need to be taken out and either get implants or a bridge all at once. I can't do the worst two now, and wait for the so-so ones later, because the dental work won't line up correctly.

So.... now I'm looking at $14,000 of dental work instead of $7,000.

I know implants aren't usually covered by insurance but I think I will email my recruiter and ask her if I can take a look at a copy of the dental plan.

I'm starting to lose my shit over this. Two implants wasn't enough to start rethinking the whole wedding. But I think four implants might really mean we have to re-examine everything.

lurkergirl · August 2014

JCbride2015 said:

Update about the TEEF. I knew I had two that were really bad and two that were only sort-of bad. Well, dentist says all four need to be taken out and either get implants or a bridge all at once. I can't do the worst two now, and wait for the so-so ones later, because the dental work won't line up correctly.

So.... now I'm looking at $14,000 of dental work instead of $7,000.

I know implants aren't usually covered by insurance but I think I will email my recruiter and ask her if I can take a look at a copy of the dental plan.

I'm starting to lose my shit over this. Two implants wasn't enough to start rethinking the whole wedding. But I think four implants might really mean we have to re-examine everything.

Oh my goodness! I am so sorry. Can you finance it, or will they work with you at all? I have gone years without health insurance, and, knock on wood, haven't had anything super major, but I was able to get lots of discounts for paying upfront, and when I did have to go to the ER once and couldn't pay in full upfront, they put me on an extremely reasonable payment plan.

I also got lots of discounts on medications from the pharmacy by using my student ID.

Good luck, and lots of hugs!

daria24 · August 2014

jenna8984 said:

@caittdid23 Sorry!! I actually thought that estimate was low for NYC too so I was surprised I was dead on! I'm pretty sure in terms of cost of living NYC is always #1, San Fran is always #2, Honolulu #3.

--------

HA that isn't even close to my rent, and I live in Manhattan far from the subway. In a 700 sqft one bedroom.

JC, that really sucks that you need 4 implants. FWIW, Care Credit gave me a $20k max, thankfully I didn't need anywhere near that. But I could have charged up to $20k with zero interest for 2 years.

JCbride2015 · August 2014

@daria24 Care Credit gave you two years interest free?

daria24 · August 2014

JCbride2015 said:

@daria24 Care Credit gave you two years interest free?

No the dentist's deal was two years no interest. Every dentist/HCP has a different "offer." CC just determines how much credit they are willing to give you.

theartistformerlyknownas · August 2014

Oh girl I'm so sorry. That sucks hardcore. If you've been offered and accepted this job already, you're completely entitled to look over the insurance offerings. It actually should have been part of your offer package. Ask for dental AND medical details. The flex spending will be part of your medical package, and under some circumstances (if the loss is related to your bone, not your actual dental care) you might qualify for medical insurance to cover it rather than dental.

WR $ vent. Long, FWP.

Re: WR $ vent. Long, FWP.

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