What is the name of your state (only U.S. law)? New Hampshire
I needed to get two teeth extracted and called the oral surgeon and he got me an appointment the next day. I was prescibed a double dose of valium as it doesn't usually have much effect on me and I wasn't sure of what the surgery entailed. Once I got in the dentist chair the surgeon said that he could save me some extra money and put the screws in for implants at the same time as the extractions. I said I needed to be cautious with my money, but he said he had a plan where there was a 0% finance charge, so he sent me to a desk to talk it over with a staff member. I am a local teacher and they know full well our dental plan. She told me it was a good one and the insurance pays 70% for this procedure so I am trying to do the math in my head with the valium going around and I reason that the $5500 cost would come down to $1600 or something. Too much, but I was told that the financing would help me pay it off. So I signed up. A couple of days later it hit me. I have a $2000 maximum per year for insurance so my cost more than doubled as I had already used some of my dental money for the year. I am sure the office knew this on my plan, but didn't remind me of that while I was on the vailum when everything sounded so good and helpful and I was very agreeable to anything. Then I inspected the interest free loan and it has a 26% interest rate if not paid off in a year. Can the oral surgeon allow you to make such decisions when he knows you are under medication? You can't drive under it, so why allow big decisions? Is there any recourse in a situation like this.
I needed to get two teeth extracted and called the oral surgeon and he got me an appointment the next day. I was prescibed a double dose of valium as it doesn't usually have much effect on me and I wasn't sure of what the surgery entailed. Once I got in the dentist chair the surgeon said that he could save me some extra money and put the screws in for implants at the same time as the extractions. I said I needed to be cautious with my money, but he said he had a plan where there was a 0% finance charge, so he sent me to a desk to talk it over with a staff member. I am a local teacher and they know full well our dental plan. She told me it was a good one and the insurance pays 70% for this procedure so I am trying to do the math in my head with the valium going around and I reason that the $5500 cost would come down to $1600 or something. Too much, but I was told that the financing would help me pay it off. So I signed up. A couple of days later it hit me. I have a $2000 maximum per year for insurance so my cost more than doubled as I had already used some of my dental money for the year. I am sure the office knew this on my plan, but didn't remind me of that while I was on the vailum when everything sounded so good and helpful and I was very agreeable to anything. Then I inspected the interest free loan and it has a 26% interest rate if not paid off in a year. Can the oral surgeon allow you to make such decisions when he knows you are under medication? You can't drive under it, so why allow big decisions? Is there any recourse in a situation like this.