I joined my local Chamber of Commerce, but they don't offer dental. Just regular medical/auto.
While waiting for my dentist appointment one day, I was watching their TV with this guy talking about how prices of dental work has gone up so much since the 1950's, but the insurance hasn't adjusted to the current prices. This is so true...
Most dentists offer a credit card with 0%. It's from Care Credit and it's only for dental work (I think some other type of work, but you can't use it like a credit card - for anything).
I was married before to a government employee and they even had crappy dental plans. I got most of my work done before I had to give up the 50% coverage and still need a few things done. I pay cash for it all now.