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Annual dental insurance premium: $900. 50% copay means this combined cost exceeds the cost of pay as you go for the crown. In the years you have only cleanings and X-rays, you will pay much more than pay-as-you-go
Think about it. If you got more in dental benefits than you paid in insurance premiums +copays and deductibles, insurance companies would be going out of business. Do you see any dental insurere going out of business? No? Neither do I.

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