It’s ok to say no

September 26, 2013 at 3:11 pm

I had a dentist appointment a couple of weeks ago, and something happened that caused me to think about how sometimes it’s ok to just say no.

As you can probably tell, we’re conducting warfare against debt. I’m angry, and done with being a slave to debt. As a result, my wife and I implemented a serious budget, and we’re sticking to it. We shredded all cards, and we’re limited to only the money that we receive and allocate.

It’s been awhile since we had dental cleanings, too long really. So, we scheduled the appointment and went to it. Now, we have insurance, but I’ll be honest, I have a very limited understanding of insurance, and thinking about it gives me a headache. From what I was told, we’re supposed to be allowed two free cleanings per year. So when we get to the dentist’s office, they let me know upfront how much things will cost. They let me know that basically the insurance company will not cover all the cost. Apparently, the insurance company will do two free cleanings up to the allowed amount. In easier terms, that means that if the dentist bills $150 for the cleaning, and the insurance only allows $75, the insurance will pay $75, and that means that I have to come up with the other $75. I generally thought that if the office rendering the services accepted the insurance, they would be limited in how much they could bill. I still don’t have answers to some of these burning questions.

Anyway, I’m trying not to get off on too many tangents. As I was heading back, the receptionist told me about everything, and I was confused at that point, but she laid everything out for me on the costs. They asked if I wanted xrays, and how much it would cost. I couldn’t afford xrays, nor did I feel like I needed them. Well, when I refused the service, the expression on their face was one of “are you sure you want to do that, you really should get the xrays”. I started thinking about it, and you know what, it’s ok to just say no. Never should we feel bad about turning a service down. Nor should we ever be pressured into purchasing something we don’t need.

It got me thinking about a lot of different things. We, as a society, are conditioned, and bombarded by this type of of psychological stimulus. It’s how we get talked into buying things we don’t need. Now on the other side, let me say that I don’t feel like the dentist was trying to make me feel this way. In fact, I really appreciate them being upfront and honest about the costs. At least they gave me a choice. A lot of offices I’ve been to render the services first, and ask questions later. By that point, I’m trapped. So, I really appreciate what they did. It was a very fair way to go about it. I think the reason I felt this way, was because I have been so conditioned to respond in this fashion, it’s hard to break out of the typical, habitual responses.

So, that’s what happened to me. Now let’s talk about ways to combat it:

1. Be prepared. Call ahead, ask questions, figure out what things will cost. Talk to your insurance company, know your benefits. Find out what the medical office charges, ask what their self pay rate is, whether you have insurance or not.

2. Not just for medical expenses, but for your entire life, commit to a budget, and stick by it. When “extra” charges come into play, know what you’re there for. My wife and I needed cleanings, but we had no dental issues going on. Don’t get suckered into buying things you don’t need.

3. Question everything. I’m not saying it’s wise to ignore your doctor’s recommendation, but like all businesses, sometimes we get talked into things and services that aren’t really needed. Information is power, be well informed on anything you’re heading into.

Those are three tips that kind of came out of this experience. Some of it, I need to do better on myself. Have you felt the same way before? Do you have tips on how to handle it? Leave it in the comment box below. Thanks in advance for sharing and reading!

On a side note: I’ve moved the to a faster server. So, it should load a lot faster now, and be more enjoyable to read, browse, and share more stuff :-).

On another side note: I’m working on something cool, stay tuned for more info!


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