It's always that ounce of prevention isn't it?

My personal gripe is a classic example of insurance BS. I have a cracked molar and some bone loss at that tooth. The dentist will not crown the tooth until a periodontist does some grafting/seeding of bone. My company pays 100% for dental, but the insurance considers the bone regrowth "elective" and won't cover the procedure - my cost = $800 to $1000. That's a lot of quality fishing dollars. So the insurance company would rather that I lost the tooth or live in continued discomfort. Fargin iceholes!!! It's all about the money.....