A brief background: we (wife and I) have dental insurance (PPO, United Concordia) through work and only pay $12/month pretax for the plan. It's a pretty typical plan ($2000max, most services in network are covered, etc.).
It has been a few years since my wife saw a dentist and she needed to go. We didn't have a regular dentist, but one of her friends' dad has a practice half a mile from our house. Before going we confirmed they accepted our insurance, we're happy with his fee schedule (maybe 5% higher than average for the area), and this practice is one of the most positively talked about practices in the area, so we thought it was a no brainer, slam dunk. She ended up having an initial cleaning and then came back a week later to have a few cavities filled (she knew they were there). All is good, right?
For whatever reason, the insurance and payment process has been screwy. The cleaning and initial exam were billed as in network services, and we paid up front for the difference of what insurance was not going to cover. The fillings were viewed as out of network services by our insurance and they paid out the minimum to us for them, leaving us to make up the difference. Somehow, after talking to our insurance, the dentist is no longer considered an in network provider by them. So, I went onto the insurance website and looked up current in network providers, and the only one within 10 miles of us is one of those huge dentist offices that has a staff of dentists. Plus, there are some not-so-nice complaints about the dentists there as well as the practice as a whole. Of course.
So here's my dilemma: I have an appointment scheduled with the "good dentist" next week. I know I'll be needing restorative work on one tooth in the next year or two and it'll be pricey. I am hesitant to visit the "dental group" but if they're going to cost much less to go to, I might just have to suck it up. I've grown up going to a local, one dentist operation who did fantastic work over the years, but that's 3 states away now. Think I should cancel my appointment for the sake of costs, or should I stick with the "good dentist"?
I'm also open to alternative suggestions. I gave myself a crash course in dental insurance and Dental billing last night so there may be some things I'm missing.