From my own experience I can honestly say that if $35 / month is all it will cost you for dental insurance I would jump on it. My husband had much the same dental and medical insurance through his work although it cost a bit more but believe me it was worth every cent we paid. Our dental costs would have been well over $1000 a year on our own. Same for our medical, in one year it cost us over $20,000 for just myself. I'm surprised we didn't bankrupt the company but they never refused to cover any of our medical costs. Our eyeglasses were also covered under the plan.