In case you are unaware, in the past year Cooperators changed the dental claim submission process to a "non-assignment" plan.

Previously under an "assignment of benefits", the patient (policy holder) could assign payment of the services directly from the insurer to the dentist.  

The current process is for the dental patient to pay for the services, and then submit (electronically or by mail) their claim to the insurer.  Then the dental office can receive payment by direct deposit.

What's the rationale behind this?
It was found that adopting the "non-assignment" dental plans can be less expensive than those that allow assignment, because simply the act of a patient paying for their dental care makes them financially involved in their oral health care, and is a good incentive for the patient to be proactively aware of their usage of the dental plan.

The end result, is that everyone benefits.  The patient (policy holder) receives the treatment and benefit from their EHC plan, but is mindful of the services provided and it's cost, and therefore, the plan premiums remain more stable and affordable to the Employer (and Employee if they contribute), allowing the plan to be in tact.