I've had to have a great deal of rather major dental work done in the last few years. My dental insurance has certainly covered a great deal of that work -- worth the premium for me.

Now that I have that major work finally done, I may step down to a different plan that has lower premiums since mostly I should only need routine cleanings from this point onward.

Personally, dental care needs to be part of health insurance, but that's a whole other discussion.