Dental insurance is cover provided to an individual to help pay for the need of dental work when a person goes to the dentist. Employees in the past got dental insurance as a benefit, today the employee usually need to pay for it on their own if they want coverage. An alternative to purchasing dental insurance is to put the dollar amount aside every month to cover the occasional visit to the dentist for cleaning and polishing. If you are preventative with the dental follow up you can hopefully avoid extensive dental work and large bills. Do you have dental insurance.