What I recommend is to take note of all the times you've been to the dentist in the last ten years, as well as all the times you SHOULD have visited. See how much it would have cost without coverage. Visit your local dental insurance office - or call one - and have a lengthy conversation. Get actual numbers and figures on what it would have cost had you had coverage the whole time. There's a good chance you paid much less without the coverage.
On the flip side, if you just keep having issues with those teeth, you may have to get a good plan. Know what your tendencies are inside that mouth of yours, and actually visit the dentist and see what he or she says may develop in the next five to ten years. This could give you a nice head start on deciding exactly what kind of coverage you need.
The real point here is to not get sucked into signing up for the "best" dental coverage and highest premiums simply because you'll know "you're set". Accidents happen and we age, and as much as we'd like to be ready for everything, occasionally our budgets just won't allow us to cover it all. If you can afford it without batting an eye, well then, absolutely go for it. You're one of the lucky bunch, and be proud that you can protect your family in that way. But just be careful, everyone. Do what you can, and only pay for what you can afford.
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