Congratulations on your soon to be retirement!
Here's my experience with dental insurance. I kept a policy on myself when I retired. I had not had a crown in years and probably not even a filling! But I had a tooth that bothered me from time to time. My dentist never found anything wrong with it. Well, about 4 years after I retired, my sweet, very conservative, cost-conscious dentist retired. The guy that replaced him wanted to do an overhaul on my mouth so I changed dentists and started going to a friend. He immediately found that the sensitive tooth was abscessed - I hadn't even mentioned having a problem . He said I needed a ROOT CANAL! That's when I found out how rinky dink my insurance policy was.
He sent me to an endodontist who charged somewhere in the 1100 to 1300 dollar range. He broke my existing crown and said he could not save the tooth. I think I had to pay $150 deductible plus half plus extra because he was out of network - which was a very limited network I found out. I paid him about $750 out of pocket. I went back to my dentist friend who wanted to send me to another endodontist but I didn't want to pay another guy for being unsuccessful too. I was resigned to having it pulled. Well, bless his soul, my friend-dentist said that if I were willing, he would attempt to do it and if he could not, he would not charge. Fortunately the open enrollment period for the year for dental insurance where my husband retired rolled around. I quickly signed up for the additional insurance . The advantages of that were - my dentist was in their network so I got discounts, I got the full $1000 calendar year coverage even though I joined in July, and I found my old insurance had a carry-over feature from years where I hadn't used it much. So I was able to coordinate the full $1000 in benefits with what was left of the current year's limit and the some carry-over for a total of $2000 coverage! The bad part was that in order to have insurance where my husband had worked, I had to have insurance on my husband as well. (He rarely ever, ever even has a cavity.) So my 2 policies paid for the second attempt ( which was successful) and the new crown. So for $300 extra to cover my husband and me for 6 months I was able to get $1000 in dental work plus I used up some of the carryover from my old insurance. Over the next 4 years, I've kept both insurances and have tried to use up the yearly allowances to redo some work and get set for old age. Hopefully, next year I'll drop the old inferior policy.
My point is, if you and/or your spouse have a lot of old crowns and fillings, be prepared! I hope this dental work lasts me the rest of my life but I think if I get into this situation again I'll check into adding AARP's insurance for a while. But I think you have to have it a year or so before using it on fillings and crowns.
Good luck - want me to tell you about our unexpected medical costs? heehee
To make a long story short, just remember most accidents happen at home. Don't get overly excited about what you're going to do for the day, dance a little jig and fall down the stairs due to exuberance of being retired like I did.....