My DW had to have a root canal and crown done about two months ago. Our family dentist, who we've had for about 20 years started the process and placed a temporary crown. Everything was going as scheduled until Federal agents showed up at the dentists office and hauled him off on drug charges. What a shocker.
Now DW is trying to get this work completed elsewhere using our insurance- of which there's no coverage amt left for this year. Finally she has found another dentist recommended by reliable people. However he has found a number of hacked crowns and the root canal is not going to work requiring a bridge.
If we use our $1500 annual coverage it will take about three years to get all the work done. Using this strategy will get our portion of the costs down to about $6000.
However even with this hit I don't plan on waiting three years to ER. We'll just have to suck it up and deal with it. Fortunately this is still while I'm working. But I'm sure they'll be plenty of surprizes when I do retire.