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When something's wrong with your body, you should have the ability to choose how to deal with the problem. Unfortunately, many dental plans, especially the more affordable dental plans, actually dictate what type of treatment you're allowed to get for certain afflictions.
The type of policy they use is called a Least Expensive Alternative Treatment (LEAT) policy. Under a LEAT policy, if there are multiple types of treatment available for a specific condition, you are required to go with the least expensive one, which is not necessarily the one that is best for you and your long-term oral health.
So when looking at a potential dental plan in which to enroll, check whether or not the plan uses a LEAT approach. If so, you might want to move on and consider other plans.