Dental insurance can be worthwhile if the premium and benefits fit the dental care you expect to use. It is most useful when the plan's coverage for preventive and restorative care is worth more to you than the premium and other out of pocket costs.
Dental plans often have annual maximum benefits, waiting periods, networks, deductibles, and different percentages for preventive, basic, and major services. Someone who only expects routine cleanings may evaluate the plan differently from someone expecting crowns, root canals, or other major work.
Estimate the yearly premium and compare it with the plan's expected benefits, annual maximum, waiting periods, and your dentist's network status. Do not assume dental insurance works exactly like medical insurance.
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Depends on your needs. If you only go to the dentist for annual/semi-annual cleanings, then it's likely more affordable to just cash pay for those visits instead of paying for dental insurance, but it will depend on your state.
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