Why isn't this covered?
Your Explanation of Benefits usually says why. Which of these sounds closest?
My plan doesn't cover this treatment at all
Exclusions, like cosmetic workInsurance says my case didn't meet its criteria
Common with crowns, buildups, and deep cleaningsInsurance says I had it done too recently
Frequency limitsI'm in a waiting period
Benefits that start after you've been on the plan a whileInsurance only paid for a cheaper treatment
The alternate benefit, or “downgrade”I hit my annual maximum
Yearly limits and when they resetThe tooth was missing before my coverage started
The missing tooth clause