My friend Dan was one of those who didn’t believe in dental insurance. Dan never had cavities. He took special care of his pearly whites. His take was ‘what is the point of me paying out every month for something I never use’. Ahh, the common misconception about insurance. Then one day Dan was chewing on some hard candy. No big deal. Unfortunately the next day, he noticed that one of his molars was sensitive to cold liquids. He let it ride for a month or so, until it drove him insane. Finally he headed to the dentist, who told him he had a cracked tooth..

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