I need some advice about dental care. The one thing I don't like about being a grad student is I don't have any money. I lost my dental insurance a couple months ago and need to see a dentist. The problem is I have no coverage and of course no money. My school does not off any kind of dental plan, only health insurance, so I am thinking of just signing up for one of those group dental discount things. I found one that is $100 for 15 months and has about a 50% discount on everything. I know I have at least one cavity and what looks to be a future case of gingivitis. Also, I haven't been to a dentist in many years but take pretty good care of my teeth. Is it worth dishing out the money for an actual dental insurance?