Contrary to what you may hear, no insurance company attempts to cover all dental care costs. Some companies pay fixed allowances for specified procedures. Others pay a percentage of their fees for specified procedures. Insurance plans rarely cover all procedures and rarely pay the entire fee for a covered procedure. It is your legal responsibility to pay any deductible, co-insurance, or other balance not paid by your insurance company. Benefits, deductibles, and co-insurance are determined by a contract between you and your insurance company, usually selected by your employer.