dental insurance is usually separate from health insurance. and most dental insurance plans are basically the same, I think I had to pay for 80% of my crowns (I had two but no root canal, mine was from wear on my molars) but I had to meet some deductible first, I want to say it was 60 bucks. not sure about root canals though. the cost out of pocket for two crowns was 800 ish bucks. not bad considering how much time I sat in the chair and all of the x rays I had for pre approval. I paid my dentist 200 a month until it was paid off.