Do not use Assurant Dental Plan insurance

Here is the letter I am sending to my HR company. I advise you that if you have a choice of dental plans, you forgo this one. You’d be be better off with no plan:
I would like to file a formal complaint against Assurant Dental plan.
When I attended the health benefits road show in the cafe, I discussed this plan with the representative. I was told based on the provided information that my son’s current Dentist A to Z pediatric dentistry was covered. I was also told that my dentist Dr. Chad Blackwell was covered under the plan. I was told that my son’s pediatric dentist would be treated with normal co-pay.
Upon starting with the plan, I received a letter assigning me to a dental office that was about 30 miles from my home, and also about 20 miles from my work. I called to move myself and my son to our respective dentists. I was told that my son’s dentist was specialist, and therefore he did not need to be assigned to the office, but that he could go there as needed, and that it would be covered. I was told my dentist, Dr. Blackwell, was not taking new patients. I called my dentist, and they told me that they had not accepted Assurant Dental Plan for over 5 years, and have asked repeatedly to be removed from the list of providers for that plan.
So I could not see my dentist, I selected a new one, but I have not yet been. However, my son went to the dentist on April 15. The Dental office A to Z Pediatric Dentistry, called Assurant at that time to verify coverage. They were told that it was a PPO plan. They then billed the insurance company 143 dollars for a checkup. I expected to have that come back and for me to owe a $25 co pay.
Instead, the claim was denied completely, and I am now responsible for the $143. I called the insurance plan to complain, and was told that since my son went to a specialist, it wasn’t covered. I explained that my son was two years old and could not see a regular dentist as he will not yet sit in the chair, and that due to a tooth coming in wrong, he needs to be checked every six months by a pediatric dentist. I also explained about how I had verified on two prior occasions with representatives from the company that this would be something that they would pay for. I was asked for the names of people I talked to 3 and 5 months ago, which I did not have. I was basically at this point told tough.
This insurance company is not family friendly, and has lied to me on 3 occasions, and has lied to my son’s dentist on one occasion. This is not the type of company that we should be working with, and our Employees deserve better care and coverage than Assurant can provide.
I would like to change insurance companies based on the fact that I have been lied to by this company. I understand that it is not a valid life change event, so right now, I can only wait until next year. I hope that you will take this feedback and NOT renew our contract with Assurant. They do not deserve our business.

glamour shots

From 20090425 glamor shots

or here:

cabin trip

Cabin trip April 09

cabin trip

What a weekend that turned out to be.
Friday, Landon’s fever broke, and he was acting better, so we decided to go to the cabin anyway. We loaded up and off we went. We met Laura, Dirk, Darion, Elaira, and Damia in Payson for dinner at the Pizza Factory. The food was tasty (seriously, it was pizza, how could it be bad?) and Landon was able to get pasta, and Bobby had a salad and some wiings. Then we hit Bashas’ and bought the last of the food we needed, and drove up to the cabin. We got there at the perfect time, right about sunset. I figured if we got a fire going right away (the cabin has no heat) that we would be toasty all night.

Except the key didn’t work.

We tried and tried. Finally, we drove back into town and called Bobby’s parents, who are the keeper of the key. They told us it worked fine a couple of weeks ago. (We had to drive mostly back to town in order to get a cell phone signal, no signal at the cabin.

We called a locksmith. While we waited for him to arrive, Bobby’s parents called back. Seems his older sister had used the key last week and it HAD NOT worked. Anyway, Locksmith met us in town and followed us the 25 minutes back out to the cabin. $100 later and we were in. It was now well onto night and cold, so we got a fire going, but that first night was COLD.

Landon did not want to sleep upstairs with the kids, so we put him to bed late, in our room. He woke up around 6AM. We had a nice breakfast, and then decided to hike to the waterfall. Bobby loaded Landon up in the backpack, and he was mostly fine on the way down, but once we got to the falls, Landon wanted nothing to do with it at all. He wanted to go back to the car. So basically he cried until Bobby took him back. I didn’t get very many pictures, although I will post some later in the week. I think Landon got sun block in his eyes, because he always turns into a fuss ball when that happens.

Anyway, so we went back to the cabin and mostly hung out and enjoyed the fire and the view. We did have a problem with mice in the cabin. We saw raccoons, squirrels, and deer outside the cabin.

Landon took a long nap, but was still Mr. Fussypants pretty much all weekend. We had fun at the cabin despite this fact, but I think next time I will cancel, even though Landon was mostly recovered for the whole weekend. Saturday night he did sleep upstairs with the kids, but he woke all the kids up at like 5AM.

We came home Sunday, and I took a nice long nap.

Pouring rain
Pouring rain
Prospector Park Easter Egg Hunt 4/11/09
Landon helps hold the umbrella
Landon helps hold the umbrella
Prospector Park Easter Egg Hunt 4/11/09
Egg grabs
Egg grabs
Prospector Park Easter Egg Hunt 4/11/09
over there?
over there?
Prospector Park Easter Egg Hunt 4/11/09
this is fun!
this is fun!
Prospector Park Easter Egg Hunt 4/11/09
Bubbles?
Bubbles?
Eli’s 5th Birthday, at Heather’s home, 4/11/09
BUBBLES!
BUBBLES!
Eli’s 5th Birthday, at Heather’s home, 4/11/09
I love Bubbles
I love Bubbles
Eli’s 5th Birthday, at Heather’s home, 4/11/09
More Bubbles!
More Bubbles!
Eli’s 5th Birthday, at Heather’s home, 4/11/09
so bubbletastic
so bubbletastic
Eli’s 5th Birthday, at Heather’s home, 4/11/09
awesome
awesome
Eli’s 5th Birthday, at Heather’s home, 4/11/09

Smiles
Smiles
April 09
Landon's easter basket
Landon’s easter basket
Easter 4/12/09
what's this?
what’s this?
Easter 4/12/09
Bubbles?  I love Bubbles! Lets open it right now!
Bubbles? I love Bubbles! Lets open it right now!
Easter 4/12/09
Oh! wait, CARS! The best gift EVER
Oh! wait, CARS! The best gift EVER
Easter 4/12/09
The basket is nothing compared to the cars it gives
The basket is nothing compared to the cars it gives
Easter 4/12/09
yep, only cares about the cars
yep, only cares about the cars
Easter 4/12/09
Chasing Bubbles
Chasing Bubbles
At the park Easter 4/12/09
Easter Bubbles
Easter Bubbles
At the park Easter 4/12/09
Where did they go?
Where did they go?
At the park Easter 4/12/09
the same picture take 1
the same picture take 1
I can’t decide which one I like better, 1, 2, or 3. you tell me. At the park Easter 4/12/09
take 2
take 2
I can’t decide which one I like better, 1, 2, or 3. you tell me. At the park Easter 4/12/09
take 3
take 3
I can’t decide which one I like better, 1, 2, or 3. you tell me. At the park Easter 4/12/09

Letter from mom Year 2.8

Dear Landon,
You turned 2 years and 8 months old this week. I’ve been sick, and you’ve been sick, so I haven’t gotten around to writing you a letter yet this month.
I’ve got to say, I’ve decide 2 is officially my favorite age. I’m not sure where the “terrible” part comes in. Yes, you have your moments and your temper tantrums, but really, they aren’t so bad. Of course, the pooping might be part of the terrible. Despite so many efforts (and a few successes at Laura’s house) I have yet to get you to poop in the potty. You continue to poop in the diaper. We can go all day without a single accident or wet diaper, but you’ll still poop in the diaper or your underwear instead of on the potty.
I know boys potty train later than girls, but most of your female peers are potty trained, and I admit to feeling a little frustrated at our lack of success. Still, I’m hopefully we can get you out of diapers before November. Why November? Well, if luck holds out and all appears healthy, there is a very strong chance you will be a big brother around Thanksgiving time this year.
You are SO HAPPY. I’ve never met a child happier than you. In the morning, you are all smiles and happiness. When we get to Laura’s in the morning, you laugh and play. You love to ride in the car, and you will point out all sorts of vehicles and things as we drive. You’ve got such eagle eyes, that if you say you see a police car, I slow down. I trust that you see one, even if I don’t! I’ve learned this because of how often you claim to see something, when I don’t, and then, later on, I see it, something you’ve been looking at for five minutes already. This especially holds true for anything with Wheels.
We went to the dentist this week, and the dentist confirmed that your 2 year molars are almost all the way in, so that’s good news. You have no cavities, and once you stopped freaking out about the dentist, you were fine, and did very well.
You also saw the allergist for your milk allergy, which is slightly worse, but not actually worse. We’re still hopeful you will outgrow it though. On March 4th you were 37 inches tall and weighs 32 lbs.

You’ve been a bit of plague baby the past 2 months. You had a spell of puking, a mystery fever, pink eye, and currently you have a nasty cold. The cold you got from me, the pink eye from Marana, but I have no idea where the rest of it came from.

We had a couple experiments with you skipping nap, but I’ve decided you really do need a nap, even if you think you don’t. At this point, when you skip a nap, you turn into a demon child about 2 hours before bedtime. Maybe that’s why they call it the terrible twos? But you’re still pretty well behaved when you get your sleep. Also, you’ve slept through the night for so long, and done it without needing any help or input from us, as long as you get someone to read you Goodnight Moon before you go to sleep. We both have had that book memorized for a while now.

We attended a Japanese festival with Emily and Gyan, and you seemed to enjoy the sites. We also went to the zoo. You were so cute. We would show you the animal and then have the following conversation:
Me: Landon, see that fox? Right there next to the rock? That’s a Fox
Landon: Yes, that’s a fox. That’s Landon’s fox.
Me: What?
Landon: that’s my fox!
Repeat for the elephants, monkeys, Oryx, Ducks, Lions, Otters, and everything else we saw.
Apparently you are going to open a Zoo!

I have created a monster.
You see, as a child, I loved this book called Cars and Trucks and Things That Go By Richard Scarry. I loved it not only because it was busy but whimsical, but also because of Goldbug. He’s hidden on every page! I saw the book when we were, and I thought, surely you will like this book. It has cars and trucks and things that go in it! And we can find goldbug together! How little did I know. YOU LOVE THIS BOOK. I just had to take a break from writing this letter in order to read you this book. And it’s a Long Book. Still, I’m glad you love it.

We had an almost emergency room visit this past month. I say almost because your doctor’s office recommended we go in to the ER, but we managed to avoid it. You, for some weird reason, decided to put Macaroni up your nose. It was horrible to get it out, you cried and struggled and we had to pin you down and stick things up your nose to get it out. Now you tell me, “Nothing in my nose, Nothing in my ears.” I hope you mean it.

We had an Easter Egg hunt in the rain this year, but overall the main thing you liked about Easter was the hot wheels that came in your Easter basket.

You’ve also started to call me Mommy recently. You normally call me Mama. You still call Daddy Dada. I don’t know why the change, but it’s cute!

Anyway, it was a busy two months.
I love you Landon!!!

Love
Mommy.

need more sleep

I’m sad because we aren’t going to dinner tonight. Landon is home sick. He has whatever it is that I had, I think.
I am finally starting to feel better, but I’m still sick.
Landon woke up with 102 fever and is congested. His voice and mine both sound the same.

We’re still thinking of going to the cabin this weekend, but we’ll see how we all feel tomorrow.

In the meantime, it’s work from home, and rest day.

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