I've been lucky enough never to have needed to have a cavity filled, but unfortunately, my daughter has not been so lucky. She's had three cavities thanks to her back molars not forming properly and 3/4 of them developing cavities. And then one of those cavities had to be refilled last year.
For reasons I don't understand, the insurance would not cover the filling (which was over $100) because they used the tooth-colored filling instead of the metal filling.
I called the dentist and asked if we could use the metal filling instead. It's a baby tooth after all. They said that most practices only carry the tooth-colored filling these days. I asked if they could order the metal one and they said they couldn't.
I called the insurance company and explained this to them. They said that it was up to me to find a practice that used a filling that they would cover. I called a bunch of practices in the area just out of curiosity and they all just used the tooth-colored filling.
Delta Dental, you suck.