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Dental insurance is generally a waste of money. Stick the $20 or $30 a month into a savings account instead, and brush and floss daily. Get cleanings twice a year that include a quick exam by the dentist (mine run about $80 a cleaning). Xrays every other year (maybe $100) to look for hidden problems.

That's okay if you teeth are currently okay, but if you've been putting things off for awhile...which, I think, is why she wants into a group policy.

Trying to squeeze into an independent contractor situation generally isn't worth the effort.

Generally I would agree. However, in this case, I think, it's partly (on the employees part) to prevent the employer from demanding set hours at the place of work and expanding the duties beyond the special projects.
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