i got three crowns this year, all of which i paid out of pocket because my insurance company approved them, then decided, after they had been made and put in my mouth, to not pay, with no arbitration possible (letters sent to several executives including the CEO resulted in nothing). this is the same insurance company that paid $60k without batting an eye when i shattered my leg a couple years ago, of which i paid zero out of pocket, so i guess i'm still ahead. oh well, it's nice to have all that bonding gone and replaced with something that will last a while.