I did some further research too. In the US depending on which plan you have....restorative work is covered for worn out fillings. Some plans only pay for amalgam though. So do cover composite. They will not cover it just because you requested to have them out, it is considered cosmetic. Here there is not waiting period to file a claim, but most insurances have a dollar amount per year they will pay. After that $1000 your on your own anyway. My insurance is run through the state..for poor people, and it covers somethings, problem is that you can't find any dentists willing to accept that insurance. The fees are lower than average. They cover what they think the service should cost, not how much the dentist feels like charging!