The real determining factor is your mouth! If you are cavity prone or like to chew ice, popcorn, or hard candy, then it is probably worth it. If you are blessed with good dental genes and take care of your teeth well, and you rarely need a filling, then it depends on what your monthly payment is. Two cleanings and exams annually and x-rays every few years will be around $200 per year. If your dental insurance costs you more than $20 per month per person, then you may want to reconsider carrying insurance.