Is it just common to still have to pay hundreds of dollars for a dentist appointment even with "100% coverage" on your dental insurance now?

I’m so confused and frustrated right now…

I guess I should have made even more calls and done more research , but I thought we’d finally figured this out…

I was going to a dentist who I liked for a few years but they weren’t’ technically in-network for any insurance provider. They’d just submit the claims to your insurance (Delta dental in my case) and then Delta would send me a check for a portion of the bill which I’d deposit in my bank account to pay the dentist with and I’d be on the hook for the rest. This was costing my family hundreds of dollars a year due to these claims not being fully covered even though I’ve got 100% coverage for routine exams/cleanings.

We finally switched dentists this year so that we could avoid this hassle of Delta sending us checks to deal with and the frustrating aspect of having to pay extra for each appointment. This dentist was in-network for us so our understanding was that now we’d just let the dental office submit to insurance, insurance would pay them, and we’d generally not have to pay anything extra for bi-yearly exams.

Well today I got a check for $205 and a note that I’ll owe my dental provider $160

I did get some extra Xrays on this appointment which I know aren’t always covered by insurance, but looking at this claim statement, I owed almost HALF of each line item (Comprehensive oral evaluation, cleaning, Xrays) while my statement clearly says that contract benefit level is 100%. (Also shows that the max contract allowance for an oral evaluation is 48 dollars, max for cleaning is 59, and max for xrays is 98)

Is this just normal now that 100% coverage isn’t enough to actually cover most dentists aside from the hole-in-the-wall places ? I just have a hard time believing I’m even goin to find a dentist who basically charges half price for everything??