Business ProfileforBEST Life and Health Insurance Company

Best Life insurance refuses to provide any reimbursement for services rendered 7/16/2024 (details attached in PDF). I signed up for the dental coverage via ****************************** and at the time I signed up, there was an ********* stating that intermediate restorative services (fillings) were covered at 70%. When my daughter received services, the dentist used composite fillings (that is the only type of fillings they use at the dentist who is in-network). We received an explanation of benefits followed by a bill from the dentist for $600+ for four fillings. The coverage the policy lists only covers composite fillings for anterior (or the front of the tooth), not posterior. The claim to only cover amalgam fillings for posterior. Other insurers will at least reimburse the dental provider the difference of amalgam reimbursement vs. composite reimbursement, not just flat out deny the services. It also makes no sense as to why they would cover only the front side of the tooth for composite and back of teeth are denied for composite. It just looks like they are trying to find a reason to deny care with trivial exceptions and covered codes buried in a 30+ page policy. Again, the ******** when signing up doesn't list any exceptions for composite fillings or I wouldn't have chosen the policy to begin with.