But it looks as if my dentist (or my dental insurance company) assumes I am. I am learning the very very hard way that for the most part, dental insurance is a joke. I will be paying anywhere from $3,000 to $5,000+ out-of-pocket over the next however long for dental work. That includes 3 crowns, 1 root canal, 2 fillings, gum graft surgery, gum surgery around my back lower molars, and removal of 2 wisdom teeth. Crowns are supposedly covered at 50% by my insurance, but somehow it ends up that only about 25% of a $950 crown gets covered (so if you are doing the math, that is over $2,000 out of pocket right there for 3 crowns). My root canal was supposed to be covered at 80%, however that is only 80% of what the insurance company deems appropriate, which is of course lower than what is actually charged, so I paid 20%, plus the difference between what my insurance thinks is a fair price and what the price actually was. Insurance will only pay $1,500 a year for any and all dental work, ...
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