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Think of dental insurance as lending money to an insurance company. At the time that you now need funds to pay your dental expenses, they not pay you back. The only difference is that you don't get money back if you don't get dental bills. That's just it.
You don't go in to see a dentist every day, unless you've got something really wrong with your teeth. When you do go to see the dentist, you might have to cough up quite a bit. But that need not be so, if you have dental insurance. The insurance company pays.
Insurance is flexible, even dental. Your portion of the responsibility is to read up on the agreement very carefully until you get the minutest detail. That way, when you put pen to paper, you know that you are getting the best out of it. Otherwise, you could be lost.
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There have been loads of insurance scams in the past, so you cannot blame your insurance company for wanting to cross-check on your claims. They will make payment if they find no evidence of foul play; but you also need to keep it clean from your own end.
If you find yourself in some large corporation, you might want to check with your employer to see if you have dental insurance with your package or not. Some companies do provide it, and some do not. You should not wait until you have an emergency before you take the appropriate steps.
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