Karma will follow Dr. Ngo ~ My son and I had an appointment at the same time. Both with 100% coverage. While I'm being finished up the nurse walks in and says my son did well with the novacane. My heavens he was getting a cleaning. Dr. Ngo provided 5 fillings to a child that had never even had one and avoided letting me know about any of my sons proceedure. All the teeth treated were baby teeth and fell out within a couple months. I just knew something was wrong and immediately requested copies of the x-trays but after 3 hours and several tries the nurse insisted they were just too dark to copy. The insurance covered his bill though ~ over $600 in one shot, just for my son.