Susan Grossman has certainly been through the ringer with dental work. Over the past decade, she’s shelled out some $100,000 for bone replacements, teeth removals and cappings, and most recently, a bridge covering 10 teeth. And there’s still more necessary work ahead. How does she pay for this? Mainly through savings, since her dental insurance annually covers only $1,000 of costs, says the now-retired New York City resident.