My younger brother is the slacker of the family.  He has always relied on our mom and dad to take care of him.  He’s going off to college and I told him to be sure to get student dental insurance.  I’m in my third year of college, and more of an over acheiver, compared to him.  Of course, he didnt listen to me.  After his last dentist appointment, I found he regreted it.  He called my mom right away and told her his high bill.  He had to get a lot of dental work done and had to pay hundreds of dollars. Just because he didnt have insurance.