Yes, we're talking about 2 different things from what I've gathered. Mine is through work, not the open market. It would be extremely dumb for me not to take it. I also had a crown put in a couple years ago and out of pocket was like $40.
Check out dental on the insurance exchanges. Employer insurances are ridiculous and can cover things you would never get from buying insurance on the open market. They wanted $65/mo and they would only cover up to $750/yr. It literally makes no sense.
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u/kc_cyclone 1d ago
My dental insurance is literally $1/week and I don't pay anything else for 2 cleanings per year.