It is a fact that insurance cost a lot and is eating a larger portion of the income. Most of these insurances regardless of the kind of plan does not cover all the medical expenses. Even the hubby is complaining about his insurance provided by employer. Just recently, he found out that his tooth is broke. He is planning to have it fixed but he haven't decided when. I bet he's gonna complain more when he finds out his dental policy. For sure he will be paying at least 50% of the bill. The hubby needs to search for dental discounts online that he could save once he decides to have his dentures done.