Millions of people in the U.S. pass on their employer’s dental insurance benefit and save themselves hundreds of dollars a year doing so. That’s because the out-of-pocket expense for regular cleanings is often less than a dental plan’s premiums. But, like any kind of health insurance, those premiums are really buying you peace of mind, since anything beyond regular cleanings will be a real kick in the teeth. Considering that the premiums cover the kind of preventative treatments that should keep cavities and everything else at bay – and considering that you’re now responsible for a whole other set of teeth – whether or not you should get the insurance is simple: Unless you really can’t afford it, the answer is yes.
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