When I had mine out, I had to get referred to the surgeon by my dentist. Once I got the referral, I had to get the exact names of all the items that would be included on the invoice. I then had to call my regular health insurance first to see what they would cover, which was the anesthetic and procedural costs for removing erupted teeth. Then I had to call the dental insurance to see what they would cover, which was basically the rest of it minus my 20%.