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I had similar experience. I paid $1200 for a 30 minute root canal procedure. When my dentist told me that it'll cost me $3000 to have a crown down, I decided that I need insurance. I did and got the crown for $900. But, I had to wait 30 days.
My wife just got laid off. Starting September, we have to pay over U.S$950 per month for our health and dental insurance.
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