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My husband has company benefits with Empire. I submitted a claim after my son's first dental appointment that came back denied. I called to learn about why it was denied, and they do not pay for dental appointments for children under two. Children are supposed to start going to the dentist by one year old and go every six months just like adults. I called back my son's dentist to pay out of pocket and told them what the Empire told me. The dental office had never heard of an insurance company that doesn't pay for children's dental appointments before the age of two. I am back to work now, so thankfully I am with another insurance company and I know the next appointment will be covered. I gave them a two as the lady I talked to was very pleasant. She is a mother who agrees that this policy is stupid.