I know theres a lot of smart people on here , can you tell me how to work out how much I get back Im with HCF health insurance Topcover , i went to the dentist the other day he said I need 3 Root Canal treatments he said about $6000 plus I nearly fainted I rang up HCF and the lady is asking me , what is the item number ???? I said its for Root canal x 3 she said i need an item number ? I said just tell me how much i get back, she said about $550 !!! I said your joking right ! Would it be cheaper for me to go to Thailand ???