> If you have a type of expense that's (a) unpredictable, and (b) rare, then it's a good fit for insurance. That fits fine for things like cleanings, cavities,

> If you have a type of expense that's (a) unpredictable, and (b) rare, then it's a good fit for insurance. That fits fine for things like cleanings, cavities, and implants - but what about impacted wisdom teeth and resultant issues? Broken teeth due to impact injuries? Even people with excellent dental hygiene have a decent chance of chipping a tooth, and even those types of things aren't covered under medical insurance.