[Northendzone]

The reason that you still have out of pocket costs when both you and your spouse have coverage is because the dentist will charge you and amount for a service (ie $100 for a filling); however, the insurance company has their own fee guide, and will only calculate reimbursement up to that amount - say $90. The only way to eliminate the out of pocket costs is if you have a health spending account in place - then all of your out of pocket costs are reimbursed assuming you have funds available.

The numbers that surprised me in this survey was the amount billed per patient, I think that is low relative to data I see at work.