Dental insurance isn't actually insurance.

In insurance, you win, and are made whole when you are unlucky enough to suffer from a low-frequency, high-cost event.

With dental 'insurance', you always pay partially out of pocket, and as soon as you hit a (rather small) cap, you pay the rest entirely out of pocket.

It's not an insurance, it's a limited-access subscription service.

I was just talking about this a few months ago. In my opinion, single-payer dental insurance should be provided before health insurance. If a country has single payer but provides no dental insurance, it's a waste, as a lot of issues start in the mouth. We're at the forefront of a lot of this right now (as well as gut health).

I have taken to calling them luxury bones. For some reason that seems to bother people around me.

Honestly it's more likely that we'll pay higher premiums if we didn't have separate dental insurance.