Choosing a dental insurance plan?

I need to get my Wisdom tooth extracted which would cost about 300$ without insurance in Florida(where I reside). I have basic dental insurance, but that would cover only 30 out of the 300 I am thinking of getting Prepaid Dental Plan C550 in Florida by... show more I need to get my Wisdom tooth extracted which would cost about 300$ without insurance in Florida(where I reside). I have basic dental insurance, but that would cover only 30 out of the 300

I am thinking of getting Prepaid Dental Plan C550 in Florida by Humana
http://www.humanaonedental.com/florida-dental-insurance/dental-plan-C550.aspx
which is about11$/month and a one time fee of 35$. They have no deductibles or waiting period, but require a lock in period of 1 year. But, the total expense still would be around 160$ for the year which is lot less than 270$(which I have to pay with my current insurance) and I get cleanings free(twice a year) with this plan.

Some details about them are at
http://www.ehealthinsurance.com/ehi/dt/plan-details?planKey=32113600:1

1. Is the Prepaid Dental Plan C550 in Florida by Humana a proper choice or are there better options?

2. Would there be any caveats with this that I need to be aware of?

3. Any other factors I need to be aware of?
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