Insurance = Robin Hood
A recent "Explanation of Dental Benefits" from my insurance company denied payment on "X-ray Bitewings Four," with the "Note" that it was a benefit only allowed once per 48 months. That's all well and good, but my wife hadn't had them done in over 2 years. I disputed the denial, and won. It turns out that it pays to look at those statements.
Of course the fact that we have yet to utilize enough in insurance benefits to outweigh the cost of insurance, in any form, is hardly worth mentioning. They have to make their money off someone, I suppose.