Some companies still offer dental insurance coverage, but will defer the cost to the employee. This can be very expensive; some plans can cost $400-$600 annually. Some companies are dropping coverage all together. Since most dental coverage plans offer $1,000-$2,000 of annual dental benefit as we discussed before it doesn't make much sense to pay $600 for $1,000 worth dental benefit. For most people in this situation it is far better to pay themselves the $600 and self-fund their own dental insurance. $600 would be more than enough to cover routine hygiene visits, x-ray and exams annually. If any other work is necessary, such as a few fillings or a crown, our office has some flexible financing plans that are very reasonable.