you didn't. That makes more sense now.

I'm guessing that there are other dental insurances that cost less. NH has very few allowed insurance companies who can do business here.

With dental, they have yearly limits on costs covered so be sure that the ratio is worth the expense. Also consider what the free services are vs the reduced price services are.

For example, checkups, cleanings, and X-rays are typically free, no charge. After 6 months, usually fillings and extractions are 50% of cost and insurance pays the rest. After a year, most add significantly reduced prices for dentures, crowns, and major services and drop fillings down to you paying only 20% of cost.

Watch the yearly limits though. If you have a ton of work done in one year, then you run out of reduced charges. So plan major dental work to start in one year and then finish after your renewal year date.