The costs of dental care can be expensive. Dental care can be as simple as twice-yearly checkups, or it may involve oral surgery, getting a full set of dentures, or needing a crown, any of which can be quite costly. On the other hand, dental insurance products for individuals and employer groups are generally low enough in cost to be very affordable. In addition, most insurance plans pay 100% for check-ups every 6 months, so those who purchase it begin to benefit right away.