Marica, We have federal BC and BS and they almost pay nothing towards dental regardless of situation. I think we get a small portion of our 6 month check ups and cleanings paid. I am having 6 upper front teeth crowned come January, fortunately, my husband has a flex plan at work for dental, where he can request the money up front with the dental bill and repay in installments out of his pay check for the rest of the year. Good Luck!!! Love, Carol