Generally, dental insurance is a raw deal. Most policies marketed to individuals are not cost effective if they include the "two free cleanings" most people have come to expect. They cleanings are not free; they are covered by the costs of the policy.

When I mentioned to my current dentist that I would probably have to look for another dentist when I retire next year due to no dental insurance, he told me that he discounts all his service about 25% for retired customers. At 37 I will be his youngest "retiree."

I have heard of a major dental policy (doesn't cover routine maintenance), but I haven't seen a price quote for such a policy.

Cheers,
terrynor