That's very true. I did manage to find a dental insurance plan that has a $3500 max payout to any dentist (no network limitations, covers 80% of most stuff 50%

That's very true. I did manage to find a dental insurance plan that has a $3500 max payout to any dentist (no network limitations, covers 80% of most stuff 50% of major things like crowns/surgery etc..) and costs less than $700 per year in premiums. It's worth it to me because I'm self employed, so I can deduct dental insurance premiums, but I make too much to deduct direct dental costs (they're too small a percent of my income). Since my marginal tax rate is close to 50% it only costs me about $350 a year, which is a bit less than it saves me on average each year when I've needed normal stuff like 2 cleanings, x-rays, a filling or 2. And my cost after tax deduction is a lot less than it would save me if I did need some major work.