why do people pay dental and vision insurance?

now those don't make any sense to me.
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Depends on the plan, and on your needs. My partner and I choose not to buy dental insurance because not only do the premiums cost more per year than the amount we typically spend per year at the dentist, but there are key exclusions of coverage that we'd have to pay out of pocket anyway. So, it'd be stupid. Also, we like our dentist, and none of the insurance plans we would buy include him on the list. We don't want to be told what dentist we can see. Vision insurance is another one we won't do. It excludes regular checkups and they only let you make appts. if you have a problem. We want preventative and routine care, not just trouble-shooting. It's more reasonable for us to pay as we go and make appts. with whomever we want, whenever we want, without having to explain anything to an insurance company. However, some people just feel better if they have insurance for everything because they go to the doctor a lot more frequently or are less picky about their practitioners.
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