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My husband's coverage seems to be good on the surface, but then they end up covering almost nothing. For example, his insurance has 100% coverage for "basic services" as long as you use an in-network dentist. So, the dentists agree to a capped price and the insurance agrees to pay that price. (Of course what those caps are is a mystery that us mere mortals may never know, but that's another issue.) Sounds good, right? So, my husband goes to an in-network dentist and need some fillings. The dentist will not put in silver fillings (most dentists around here won't) so he tells my husband he'll have to pay the difference betweent the composite and silver fillings. Okay, what nobody, including the insurance company mentioned is that since the composite fillings are an "un-covered" service there is no cap on what a dentist can charge. So, the insurance company pays the $60 it agreed to pay for the silver filling and the dentist charges $140 for the composite one -- much more than I suspect the cap would be if the cap was enforced. So, $80 per filling is the patient responsibility. It seems like we be better off shopping around for the cheapest dentist and skipping the whole "in-network"/insurance junk. Okay, maybe I'm just venting, has anybody else had similar experiences?