I really worry about this kind of expense since I've (kind of) decided to retire from my teaching job after this school year. I haven't "declared" that I intend to retire. I've visited Soc. Sec. and the WV teachers' retirement board, and know how limited my income will be. It scares me to think I'd incur this kind of expense in the future. This dental experience is being charged to my credit card, which I'll have to sacrifice to pay for. This was money I had hoped to pay toward paying off my car. There seems no way to get ahead!