Mrs. Smith, a retired teacher in Northern Virginia, received crowns on two teeth early in the year. She later broke another tooth and needed a third crown. Mrs. Smith had maximized her dental benefits with the first two crowns. Today, she would receive the benefit of Delta Dental's service discounts for the third crown, even though she would be paying for it herself.

If the new law passes, she could pay up to an additional $1,013 out of her pocket for the third crown. This could result in up to a 100% increase.

Mr. Williams, a construction worker in Southwest Virginia, pays the full group premium for his dental coverage. He has been diagnosed with gum disease and has several cavities. After exhausting his annual benefits for extensive periodontal treatment and two annual check-ups, he still needs four fillings.

If the new law passes, Mr. Williams could pay up to $532 more for the four fillings because he would lose the benefit of Delta Dental's service discounts.

Ms. Jones, a government employee in central Virginia, needs to have four wisdom teeth removed. Taking the plan's annual maximum and Delta Dental's negotiated discount into account, she would pay $427 for the oral surgery and related services.

If this bill passes, she could pay up to $838 out of pocket for the same services. That is almost a 100% increase.