I current have a dental PPO plan that I get though my employer as part of my employee benefits package.   I went to use the plan for the first time.  I was told by the insurance company that I could pick any of their dentist or go to anyone I want to.

So I went to a dentist that was locally near me for the convenience factor.  So far nothing as been a convenience to me.   I was told my preventive dental care would be covered at 80 percent and basic dental care treatment at 80 percent and only major dental services at 50 percent.

Okay fine with that and since I was only get preventive care and one filling done I figured I would only have the 20 percent to pay which was not much.  Wrong!  The dentist charged me the full amount at the time the services are render even though the staffing new I had dental insurance they said it was up to me to collect the money due from the company.

They did not tell me this at all ahead of time so it was very lucky I had $475.00 on me at the time.  I had to file out the claim in which case the dental office would not even help me fill out the form.  I just sent the billing statement I got from the dental office to my insurance company.

I got my money about three week later and I am paying more like 40 percent of the billing since my insurance company informed me that the dentist I went to is not in their network and if I go outside the network my coverages are less then inside the net work.

What is up I feel I am getting beating up on both ends from the dental office sticking me with the whole billing and not helping me with the claim forms at all and the insurance company not letting me know ahead of time that I would cost me more to choose my own dentist. Which by the way you think they would have since I called and asked about dental offices.

Who do I complain to about this?  I feel that I got suck with a much more high cost then I would have agree to normally.  No one was cluing me into the facts and I am out money.