In my town, all the dentists ganged up together and went totally private about 35 years ago. I was forced to start paying into Denplan every month, because they ALL belonged to it.
Then I found an independant private dental practice in another town where all the dentists allowed patients to "pay as you go". (They still do). I added up what I have paid for excellent dental work at this other private practice over 30-odd years, and compared it with what I would have had extracted every month from my bank by Denplan over the same years. As I look after my teeth - by paying only when I need an annual check-up, and other treatment - I have saved a fortune!!! I put money away regularly in a small easy-access savings account to cover any unexpected dental costs! For example, one lot of treatment (a "bridge") cost me £1800 over two appointments. But that was the most expensive work I've had with my "pay as you go" private dentist so far - and that was was 15 years ago. I have still saved many hundreds of pounds overall by not continuing with the Denplan insurance. Furthermore, while I was with Denplan, my then dentist sneakily and wickedly, drilled a tiny hole that I didn't notice, in a perfectly healthy molar. This was only noticed when I changed to the dentist in the other town!!! The new dentist was horrified when he saw that. So my Denplan dentist was deliberately trying to make himself future work under his Denplan scheme. (I'm not saying all the Denplan dentists do this.) If I hadn't changed dentists I would never have known!
My last check-up plus an X-Ray, was £89.00. Not cheap, I admit - but not being in Denplan has saved me lots. I have had the same excellent dentist for many years. I like him very much, and trust him.