I have dental through my work (100% paid for by co.), but my husband and daughter do not. We choose at this point for my daughter to not have coverage; it would cost me about $800/year to cover her through my company and I think that's outrageous when she has baby teeth and a cleaning cost $88 out of pocket. So I pay out of pocket for her. DH and DD both take very very good care of their teeth, so right now it cost us $375/year for them to have two cleanings each and 1 set of xrays for DH. The insurance alone would cost 3-4xs that.
My cleanings are 100% paid for including xrays once a year. I've had two root canals and my dentist filled them; he wants to crown them, but I looked at him and said, "I'm sorry Dr. E, but I'll stick the school of thought my mom has used. You've been our dentist for 30+ years and the fillings you did to her root canals have lasted 20 of those years, which is 18 years longer than you said they would last, so please have more faith in your work."
My dad has peridontal (sp) disease and his teeth are healthy, but his gums are not. They believe it's a side effect of the type 2 diabetes. Even with very good dental insurance, my mom has been overwhelmed by the bills. The office manager gave them information on a credit card program for dentists (and it covers some vets and other types of doctors) where they give you 0% interest for each charge for 6 months. After that they charge interest. Apparently it takes very little to qualify. My mom got it and whenever my dad needs work they charge it to this card and they diligently make payments on it.