Many plan negotiated rates ignore regional inflation, so in some high cost areas the better dentists refuse insurance. In Manhattan for example, you can't​ pay

Many plan negotiated rates ignore regional inflation, so in some high cost areas the better dentists refuse insurance. In Manhattan for example, you can't​ pay rent on your dental office taking South Jersey rates. Caveat emptor and all that. I opted out of dental insurance, even though I get my teeth cleaned twice annually. It makes sense to pay out of pocket for me. Some plans also have bizarre reimbursement, or encourage worse treatment plans. Especially state-run Medicaid, but that's another story.