Insurance aside, it *is* important to get bad teeth looked at. A friend just spent a week in hospital due to sepsis, from a bad tooth.
Fortunately (?), it had started hurting SOO bad that he found a dentist for an emergency appointment, and I went over to drive him. He was conscious when I arrived, but within 10 minutes had slid to the floor and didn't respond to questions any more. It was good he had me arriving just then, or it might have been worse than a week in the hospital.
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