[ridgeguy]

Not so. Anecdata point: My wife and I dropped our Delta Dental insurance this year. We reviewed what we'd paid in premiums over the prior 5 years vs. the full cost of procedures we'd had done in that time. Full cost would have been ~40% of our premiums + residuals. In this aspect of life, we've decided to self-insure.

[argonaut]

Yeah, dental insurance is primarily a tool for companies to provide a tax free benefit to employees. It doesn't make much sense to buy dental insurance yourself, unless you're high risk (get lots of cavities, etc.)