Bethany turned 21 on Friday. What does that mean for us? It means no more dental insurance, and we are left hanging with a $5000 bill for porcelain crowns. It means $1000 dental bills per year, and that is if we don't have to do anything extra. It means being forced into managed care and having little choice regarding doctors. It means having to get permission from the insurance company before seeing a doctor. Do I sound happy?