Dental Insurance is a help for those who have it, but it rarely covers all your costs. Most insurances have an annual deductible you have to pay first and then a yearly maximum in what they'll pay in benefits.
That maximum (usually $1000-1500) hasn't changed much since 1972! Think about what you could buy in 1972 for $1000 and what you can now.
Still, Insurance helps but you should never rely on your insurance to determine your treatment needs. That's your dentist's job. Just because your insurance won't cover a procedure doesn't mean it's not necessary. What's covered is often a matter of what your employer purchased for benefit coverage to control the insurance premium.
Your dental decision is between you and your doctor. Hopefully your dental insurance will help.
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