Thats what I always thought!!! I said to them after this all happened - "how hard is it to call the insurance, find out how much they are going to pay, and then have me pay the balance???" They said no, they don't do it that way, that I have to pay it all, then they will give me back what was paid by the insurance. I never knew that, and assumed that I was paying what was left after insurance. After a while, I started checking that out, and I found at that no other dentists do that. I just found out to late I guess. They have also done other things that are down right illegal. Like, my father goes to this dentist. He had something done, and they offered to have his co-pay paid with MY BALANCE!!! I was FLOORED when he told me that. Unfourtinatly he did't do it, so I have no proof that it was offered. I am just steaming over this!!!!!!!!