I have private dental insurance through Delta dental. It costs $30/month, had a waiting period only for big things (which of course I needed immediately), and while it says it pays 80/20 it's impossible to find a dentist in that tier so it really is usually 60/40. I think cleaning and xrays are covered at 100%.

I went with that for a long time because I loved my dentist. He retired so I'm going to look for an 80/20 one now.

I have bad teeth so it is worth it to have this. I also use Care credit which gives you 6 months at 0% to pay off balances if I have a big one like a crown or root canal. (those are covered at 50/50 no matter the dentist).

It's tough to decide. I'm glad I found this and that I have it but really hope I can get at 80/20 dentist (although it really isn't that much difference usually). Good luck.