<prompt> Human: Hey guys, I just received my bill for a cleaning at the dentist. For each of the charges, there is a submitted charge and a covered charge and of course, the covered charge is much less than the submitted charge. Looks like the insurance decides how much it should cost and only pays 100 of that. Anyways, the total submitted is 293 thats with X-rays, but the insurance only pay 100 of 155, which is, well, 155. So Im left with 138 to pay. With my previous company, I only paid something like 40 for a cleaning... So whats the deal? Who should I call? The dentist? The insurance? Nobody? I live in Massachusetts if it matters. Im also very worried because I have a 1600 crown coming up, What if the insurance says a crown should only be 400, covers only 40 of that my coverage for major services and so Im left with 1440 left to pay? Thanks!Assistant: Yep. This is classic dental coverage. Never any good.Whip out your benefits handbook and look into your coverage. Make sure your dentist is IN network and not out of network for maximum benefits. Thst being said, the insurance company DOES max an expected cost and you are responsible for the difference. Sometimes you can haggle your dentist down if you try. Or get a 2nd quote from somewhere else. Human: It is out of network :  <response>: Then you need a different dentist. An in network dentist will not charge more than the max that your coverage allows. An out of network, or in network but different tier eg. Delta Dental Premier vs PPO can leave you with an unexpected bill. 