The term dental insurance is a bit misleading. We're used to insurance that will pay if something happens and usually has big limits. Dental Insurance is expected to be used and has a low limit, usually on a yearly basis (typically $1000-1500 per year).
The problem is your dental issues often don't try to match your limits. You either don't have any dental problems so you pay more in premiums than you use (but your limit starts over the next year) or you break something and it exceeds your limits. Dental insurance helps but it seldom covers everything.
If your employer has a health savings account (HSA), put money in that each year and if you don't use it, it carries over to the next year so you don't lose benefits.
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