Did I just get gypped?

I’m double covered under two dental insurance plans.

One is a discount plan, meaning they take 25% off the cost of my dental work.

The other is a typical work plan. I get two free cleanings, an allocated amount for dental work.

I recently received one root canal, one cap/crown, and one filling.

It hurt worst in the wallet as I assumed that being double covered meant that any personal money I put down would come back to me. This was not the case.

My work insurance dried up after the root canal and only $98 dollars was applied to my crown. When I talked to the billing dept. the lady told me that in addition to the $375 I already paid, I will owe $130 in additional costs.

I also found out that they used my work insurance first. This means that my dental office used up money in my primary insurance. Had they applied my discount first, there would be more money in my work insurance to cover more of the cost.

At least that’s how it works out in my head… Maybe I’m just being a tight wad who got away with paying very little for some major dental work.