I am a patient finance manager. Dental insurance and dental necessity have nothing to do with each other. Most plans cover very little and are designed to pay higher amounts toward preventative things like exams and cleanings and little or nothing toward major things. My rule of thumb is if it doesn't come through a group (employer) or it tells you who to see don't get it. Also most insurance plans have a max of $1000 per year and it has been that same max since the 50s yet there are plans that cost more then $1000 a year. Many of the things you are explaining probably aren't even covered! You will probably spend a lot more buying personal dental insurance then you would ever see paid out of it.