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I fault your dentist. My doctor(and dentist) ALWAYS inform me of whats covered by my plan...... or if he even thinks it may not be..... he will say "hey we cant give you nice new porcelain teeth but we can give you these hideous dentures...you choose"
Ive also worked in a medical office so we have STAFF specifically assigned to LOOK AT INSURANCE ALL DAMN DAY LONG AND THEY MAKE GOOD MONEY!!!! (trust me I consider $20something an hour good with weekends, holidays and half day fridays in some locations) so they should be able to come to you. It should go something like this
Dentist: "you need new fillings dude"
HogansGoat: "ok what shall we do?"
D: "you want them to look real or do you like some bling bling"
HG: "Real of course"
D: "ok lets find out what your policy may cover"
HG: "Swell, lets!"
D: "Im sorry Mr. HG, your policy only covers bling bling"
HG: "Ill take bilng bling for a $100, Dentist"
Trust me healthcare in this country blows.
now I do also blame your company/carrier for not explaining to you in more detail about "hey dumbass(not to imply that you're a dumbass), we're cheap.... dont go gettin some fancy dental work done"
Thats kinda like HMO's, who the hell thought up this HMO crap, Id rather go on medicaid/medicare...at least then I can go to someone besides Dr. JoBob who got his degree from Bumfuck University in Hicktown, KY. Really... HMOs are like evil.
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the voices in your head are not real--but they still have some really great ideas.
always remeber you can choose your friends, but you can't choose your family. But..you CAN choose the insane asylum where you have them all put away! 
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