If you have not already done so, you need to use as much of the Metlife insurance that you have through your husband's coverage asap. Any procedures they begin should be dated this year, so that if it is completed in the next few weeks, (going into January), some portion of it will still be paid. If you need dental treatment for cosmetic purposes, (e.g., front teeth rotted or missing and unable to interview for a job) - take care of this first, then work on getting the other teeth (molars, premolars) treated later once you have taken care of the issues with your husband.