Why isn’t Denti-Cal covering this? Fiance thinks the clinic scammed me

Hi, 22F with no parents to ask about this. I have Straight Medi-Cal w/ Denti-Cal. I have to have two inlays and a root canal done (w/ crown), as well as all four wisdom teeth extracted as a precaution. (They grew in nicely but are just too hard to clean.)

I am left with $2000 out of pocket to pay, and the dental clinic is being sketchy about just what it is the $2000 is for. One time they said it was for the wisdom teeth, the other time they said it was for the inlays.

My fiance thinks they are preying on me because I am new to California and young. Him and his mother assure me since I have $0 income that everything should be covered in full.

The same dental clinic pressured my young, dumb ass into a signing up for a credit account,, and charged it $2000. I’m expected to make payments for it soon, when I haven’t had ANY work done yet. I’m going to the clinic this week to sign some paperwork to get my involvement with Fortiva revoked, and cancelling all my appointments with them until I can actually afford the work done.

Is this a shady situation? What is my insurance not paying for? Should I go to a different clinic?