While tweaking yet another Bluebook yesterday which downgrades posterior composites, I was very frustrated! Once you've established an Allowance Table (even one with alternate codes for downgrades, ie. D2391.1) and properly set up an insurance plan, you cannot go into the Bluebook and change the fees to properly reflect the downgrade.
I propose the addition of a check box for overriding the percentile/allowable set-up. This would provide a way to enter the precise amount the insurance will pay and the allowable, which is often different from what is in the Allowance Table.