Yup, that was the total amount denied by my dental insurance and the total amount I now owe out-of-pocket. Since I am just beginning our baby steps to getting out of debt and saving money, I don't yet have an account for these unexpected medical expenses. Instead of freaking out, this is what I did:
1. I called my dentist office just to verify the balance and that it indeed was denied by our insurance. Yes, and yes.
2. I asked if I could make a payment arrangement. I explained our situation and we quickly agreed on a doable amount. My next cleaning is in September, so I set a goal to have the balance paid off by then. We decided that I will pay $25 per week, and the balance will be paid off no later than August 8, 2014.
My organizational bug prompted me to create a template listing the week #, date, payment made and remaining balance. I used a report folder to hold both the bill and template
I've, of course, decided to add this to the list of debts I plan to snowball through. Yes, it is one more debt added to the list, but using the snowball method I should have this paid off much sooner than August! Therefore, I will not freak out.
Owe no man any thing, but to love one another:
for he that loveth another hath fulfilled the law.