<prompt> Human: My wife and I both lack dental coverage and we were considering getting a plan, but it doesnt appear that it will do is much good, at least from the few weve checked out. Most seem to limit you for the first year and then only cover part of restorative work and only up to a certain amount annually. The free cleanings offered by insurance dont count for much because theyre only 60 anyway. We both need a few fillings but nothing major, neither of us would be looking at a substantial amount of money for a complete treatment plan to get us back on track. Are there any plans that may save us money or should we just pay out of pocket for the work that needs to be done?  <response>: Usually its worth it because your employer offers it at a subsidized rate. I wouldnt buy an independent plan for the reasons youve listed. 