Insurance question

I'm in AL and have had some vision and dental insurance. From what I've paid before and the actual costs that I've paid out of pocket, I came out much better just saving up and paying for it myself.

the premiums were more than any of the benefits I ever received.

example - I paid $30 a month for Dental ins for 12 months - that's $360 for the year in premiums. there was a $50 copay on cleanings. I went 2x, so paid an additional $100. The visit was $178 for cleaning, fluride, and x-rays. The insurance covered the $120 worth of x-rays taken. I felt like I got suckered big time.

now, we don't pay for vision insurance because quite frankly, it was the same deal. eye exams for 2 adults and 2 kids and glasses and contacts for 2 adults and glasses for 1 child were less money paid out of pocket than the insurance premiums.

shop carefully, but if I were you, I'd just start planning to pay for it out of pocket. Wal-mart Vision Center has been very economical for us.