Yes. Fixable. This is your wedding bad right? So lots of sentimental value.
A jeweler can fix maybe even without heat if it’s just bent.
Eta: if the solder broke that is still fixable. Just might need more mitigation to protect the stone while adding heat. Doable.
As @oro said, it is worth a million in sentimental value and while I might balk before $1000000 I would definitely be open to putting $1000 into it
It should not cost that much. 
Absolutely! If it’s soft gold you may even be able to bend it back yourself but it could break as well. In general repairing jewelry is like repairing furniture. You can pretty much always rehab a piece but it might be very expensive. This repair, I don’t think would be super expensive. Something that would cost a lot would be like, if you needed to resize a ring and make it bigger and the ring had an etched pattern around it. That’s super expensive! But I have a 1940s engagement ring and I had the entire back band taken off and replaced because it was wearing thin. If it’s sentimental I think it’s worth it!
ETA: Just saw that it is sentimental. A good jeweler should be able to give you some options. If I were you I’d ask for the cost of just fixing it, and also the cost of redoing the setting and/or band to decrease the likelihood of this happening again. Especially as it’s something you want to keep forever I think the latter would be worthwhile. And there are lots of ways it could be done that would maintain the integrity and beauty of the ring. I love it btw!
I feel like y’all are wise about insurance things. Here’s a random question from an anonymous person close to me.
How do you figure out what your insurance will cover re mental healthcare (ie regular therapy)? Their primary physician recently recommended they resume therapy, and recommended a practitioner saying they should be in network and low cost if it turns out they’re not. They didn’t check if the therapist was in network first, and after over a month of sessions with a therapist who wasn’t even a good fit, received a bill for about $300 (would have been more without the insurance, and I think this one maybe a bit higher cost due to being the evaluation), with several more bills on the way. Now they are trying to check first when reaching out to other potential therapists, and the offices are saying they cannot tell them what they will be billed. They also tried to go through the insurance directly, asking what will I be billed if I go to this office, and the insurance said they would have to negotiate with the office and only do that once you’ve been billed.
Is there any way even to get a good estimate before you get the first bill over a month in?? Like I feel like for a regular recurring appointment there should be a way to get some kind of idea about this. It’s not like when you break your leg and rush to the ER and who knows what the hell you will be billed for. When I did PT last year there were certainly insurance frustrations, but I was able to talk to them and figure out roughly what I would be responsible for, including how that would change when my insurance changed midway through.
Anyway, what do you ask and who do you ask to figure this out? I’ve never done therapy and I think this person has about exhausted their mental resources of navigating the information they can find in their insurance paperwork on their own. Thanks!!!
It’s very bizarre to me that their insurance company can’t estimate the cost. For all of my past therapy experiences, I have only paid my “specialist” copay. Maybe they could look into what it might cost to go without using insurance, IE some kind of sliding scale place based on income?
That’s very bizarre. My health insurance makes it very easy to see up front what my cost would be for in network providers. For out of network providers, I owe a coinsurance of 10% of whatever the therapist bills. (The coinsurancs rate is even printed on my insurance card.) And a normal out of network therapist has a standard rate that they charge most clients. $300 is not unusual for that rate unfortunately, and in network therapists are very hard to find. But any therapist should be able to tell you what their typical rate is, and whether or not they have a sliding scale.
Now, my insurance only kicks in after I’ve met my annual deductible. So a Jan 1 therapy appointment would cost me $300, but after I’ve hit my deductible it would be $30 per session. Maybe that’s part of why insurance can’t give your friend a simple answer?
Another wrinkle: because it’s out of network, what actually happens is that I pay my therapist $300 each session. Then I have to file insurance paperwork and I eventually get a $270 check in the mail. (Example numbers but you get the idea.)
ETA: the magic words I would use when talking to insurance: “What is my expected coinsurance for an out of network standard mental health therapy appointment?”
Thank you! That is very helpful re the magic words.
When I get this answer about billing, it’s usually about how something is coded. I think they are called CPT codes?
It is a pain and this may not work, but I would start with the insurance company and ask what information they need (CPT codes or other information).
Then go to the provider and ask what code they will bill with.
Sometimes one or both will refuse to answer. I had one insurance company tell me that information was confidential and they did not have to disclose it (I switched away from that company asap).
Office staff in doctor’s offices are often hesitant to give out codes, because the provider may have some leeway in deciding how complex the case is or what they can file it under.
I normally just go the self-pay route. I’ve found the best providers don’t take insurance. Most of them are more willing to give a bill that you can submit for insurance. Independent providers may be more willing to tell you how they will bill.
Independent providers in my experience are also the most likely to call you back, or to let you meet with them free for about half an hour to determine if you are a good fit. That would be a good time to get these questions answered too.
Most insurance companies I’ve seen only offer a limited number of sessions that are covered. The cost is usually higher if the office bills to the insurance. Most years I don’t meet my deductible, and the higher cost x number of allowed visits is usually less than the deductible, so financially it has come out ahead to self-pay. I also don’t have mental health sessions on my record if pre-existing condition limits ever come back.
Some insurance companies also put in hurdles with their providers. For example, the providers are booked out for weeks and you can only book one appointment at a time, so there’s no way to schedule weekly sessions.
If the person has an EAP program that may be an option too. When I went that route, the provider was more knowledgeable about what coverage rates were etc. because she’d had so many clients from the same employer / same insurance program.
Unfortunately it is very difficult to get mental health care in this country.
Wow! You all are a prepared bunch. My being prepared is of a different variety. I keep a lot of napkins in my glove box, because someone is always eating in there and they make messes. I also have pedicure kits in there because I always forget to bring it when I get a pedicure. I keep flossers because I drive between two schools every day and it’s the only way I can remember to do my flossing. I keep make up in there because I’m usually running late but I don’t like to arrive anywhere bare-faced. And so many lip balms because I have lip balm addiction. I have a lot of CDs in there because I’m old like that. And garbage bags because I don’t like messes. Grocery bags and a soft sided cooler because I often do grocery shopping on my lunch break. I keep gloves and scarves and warm hats and extra sweaters because I don’t like being cold. It’s basically a closet on wheels. I don’t think I have anything for actual road emergencies?
I want to be on my phone less, but I have kids and often need to be reachable by them or their school (or their other parents). And they might text rather than call. How can I achieve both these goals?
Turn off data and wifi? Then you just have calls and text.
Husband achieves this by having texts and calls sent to his Fitbit. That way he can see what’s incoming, but can’t respond or browse in any way. He hast to jog over to the other side of the room where he’s keeping his phone in order to do anything about it.
That’s what I do when I’m on call. I HATE being tethered to my phone so I put it away and just get calls/texts sent to my watch.
My only issue is that this doesn’t solve my desire to capture adorable photos of my child at approximately 30 second intervals 
TRUE!
I cant describe how many times the Cutest Pet Things happen and then stop happening before I get to my phone 
I have my texts silent as a default except the few people who I need to be able to respond to (spouse and boss lol)
Alas, mine won’t connect to my phone. Drives me bonkers but I haven’t been able to fix it.
Hmm, this might work! I don’t get that many calls or texts. People do sometimes use my Google Voice # but those calls/texts are rarely urgent.
I use Do Not Disturb mode from 10pm to 7:30am. It silences all my notifications except for ones from specific folks or if a number calls me twice. It is a sanity saver for me.
When I need to be on my phone less I turn to the mode that doesn’t have colors. Everything is more boring without colors and my scroll addiction just goes “meh”.