Brush your teeth twice a day with a sonicare tooth brush and floss daily and you don't need to go to the dentist unless your teeth hurt. Before I had candy eating kids, I never had dental insurance. Just tell them you'll pay cash for anything you need and you'll come out ahead. Throw 4-kids into the mix and I think I break even having insurance vs. just paying cash. The one thing that is good with our insurance is the ortho coverage.

The orthodontist that we go to works 4-days a week and makes over 300K per year. Much better job than being a dentist.