You need to read all the find print before enrolling in a dental plan. When I was employed, a dental insurance salesperson came to our office to sell dental insurance. Along with her sales pitch, she brought a thick handbook that outlined their plan. It would take a long time to read it, but I noted some key points & she got very irritated with me when I asked her about them; obviously it made the other employees think twice.
Among those points:
"Coverage doesn't start until 12 months of paying premiums." (Obviously, they want to make money before paying anything out)
"Dental treatment can involve several options & the insurance provider will choose the least expensive treatment option." (I experienced that while I was previously employed with a company that provided dental coverage through "Cigna Healthplan." Instead of a crown, the dentist kept filling teeth that needed crowns because a filling is cheaper than a crown. Every few months, the fillings would break apart because the decay was too large, & the dentist would have to drill away more of the tooth & fill it again - as he was ordered to do by the people in charge.) When I would ask the dentist if a crown would be a better than constant decay, constant filling & constant exposure to Mercury, he's say, "Oh, no. Fillings are better than crowns."
And, there are several types of crowns - Porcelain & Metal, & Plastic. Of course the provider will choose the cheapest ones - which won't last very long.
If you have dental coverage, your treatment will depend on what is cheapest for the insurer; not your health.
