It is important to critically go through each cost in your policy to ascertain that the insurance firm has not upcoded the extras. Upcoding is the element of overcharging a service, and it is a common fraud in dental insurance. Most people do not go through the costs of extras, and unscrupulous insurance firms know this. A good idea would be to investigate and find out how much the extras services would cost in a business that deals with the service. For instance, if a physiotherapist's office charges $50 for a session your insurance policy should not charge $100. Look for policies whose extras are not defrauding you.