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I used to have dentistry covered by my health plan....it actually wound up being cheaper for me to pay via cash....dentists (at least all the ones I've used) usually give major discounts on pricing if there's no insurance. I pay about $100 checkup in cash whereas I was paying $90 when I had an insurance plan (which was 80% coverage and cost me $35/mo to have denistry benefits).
It might come in handy for serious dentistry reconstruction (insurance I mean)...but the only real expensive dentist item I've had in years was a single root canal which wasn't all that expensive (it was the crown which was costly but isn't covered by most dental plans anyways).
The only insurance/benefits I have now is all disability/disaster insurance. If I'm hospitalized or have a serious health problem I'm covered....but simple things like prescriptions I don't care about (especially since if it really starts getting expensive, it becomes tax deductible anyways)
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