It seems that you'd sometimes pay out way more in premiums than what a lot dental / orthodontic costs would be.
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I don't think dental insurance is good unless it is through your employer or you have very bad teeth. Cleaning is only about $125 and with x-rays and check up about $165. If you go once or twice a year you will not need anything further. Even filling and extractions are only a few hundred. Where it becomes expensive is when you need caps and false teeth. In any case you will not go broke like one visit to the hospital.
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