Does dental insurance seem like a rip off?

I don't know what to do. I try to get these insurance policies but they are like $45 per month and then they will only cover up to $750 per year. I can get get a dental discout card through aetna for $105 a year and i get the aetna pricing. I had dental insurance once before and they actually priced some services like filligs at 40% off wha the dentist charges. I also looked at a university dental school. However, the charges aren;t really a whole heck of a lot lower and you get rookies doing the work. what should I do?
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Healthcare costs in general are a rip off IMO. Under our current system, the only cost-effective way to get dental insurance is through your employer. People who are self-employed, or work for companies who don't offer dental insurance, often go without routine dental care. You could set aside the $45 per month in the bank and use it when you see the dentist. Some community clinics see dental patients at a reduced or sliding-scale fee, but they are not fancy or state-of-the art places. Just don't neglect regular visits if you want to avoid expensive and painful emergencies in the future.
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