http://soundentistry.com/blogodontics/2009/10/6/dental-insurance-in-ohio.html When an organization which consists mainly of Attorneys (The US Congress) undertakes to reform the Medical and Dental Healthcare System, prudent persons need to understand: What coverage they have. What coverage they will lose. What coverage they will be able to add, and What it will cost. Many folks don't want to be bothered by details and many folks are unpleasantly surprised to discover that they are not insured for the dental care they require. Insurance companies love to collect premiums-it's how they make money. But they also can make money by creating policies that limit the benefits they pay out. Your employer (in most cases) and the insurance company negotiated to arrive at the benefits you will receive. If you understand the coverage, you will be in a better position to maximize your benefits. I have listed, below, the schedule of benefits that might be in the majority of dental insurance plans. Use this to ask your insurance benefit info coordinator to fill in the blanks. Once you have filled in the blanks, you'll be able to help your employer design the coverage you need, and understand the adequacy and value of your coverage.