Setting aside the unnecessary procedures bit, the “use up my dental coverage” isn’t a bad way to look at dental insurance. Those things are priced in a way that they are basically almost pre-paid “use it or lose it” products, especially if it is private dental insurance. If you aren’t coming close to maxing out your dental (or vision) insurance you can probably get by with less. And if all you are ever really getting is cleanings unless it is an employer paid plan just pay out of pocket (or with your fsa/hsa)