<prompt> Human: Right now I am hung with the full 1200 bill for a core buildup and crown after I bit into a poppy seed and cleaved 13 of my molar away. Unum has denied the claim twice, saying a crown was unnecessary, even after my dentist wrote them and explained that it was the only way to save the rest of the tooth.My policy states the insurance company pays 50 of the procedure. How do I get them to do what they are supposed to do? Why can they just decide not to pay it?  <response>: Talk to your dentist. They might be able to work with you. Possibly take the 50 you owe them and write off the rest. Or work out some sort of payment plan. 