Lets say for example you currently had NO dental coverage, but then you see you have a cavity, so you call and for $9.42 a month you can have full dental added, so you add it. Then a week goes by and you get your dental card in the mail, make an appoitment, and 4 cavities and a lot of other work done, not to mention a bill for $1,200 you are done. Your co-pay was $50, and that is all you pay. 2 months go by, after everything is settled by your insurance company and you cancel your dental, do you feel bad??? is that illegal?
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For 9.42 a month, I'd leave the dental coverage on and not take it off. Do you think that dental work is all you will ever need to have done? How about your cleaning every 6 months so you don't get more cavities? How about if you bite down to hard on a piece of hard candy and break a tooth? How about one of those fillings falls out and needs to be replaced? You can't just add the dental each time you need it -- your HR or health insurance company is not that stupid.
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