Yes it's just trading dollars and I couldn't imagine buying a dental policy.
But some people get free or subsidized dental benefits through their employer/retirement plan. For us that 's always been a good deal financially even though the annual benefit was pretty low. We've almost always exceeded the benefits in the plan which is why it has worked out well for us.
The one fly in the ointment is that some dentists say they don't take a particular insurance plan when what they mean is they don't take direct payment from the plan. So the patient has to pay up front and collect from the insurance company later.
Our current dentist files our bills with our insurance company but we pay in full up front and get a check from the insurance company a month or two later.
My guess, and it's just a guess, is that many, maybe most, people in The Villages are getting dental insurance through their retirement plan.
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