Dental Insurance

## Dental Insurance

Dental insurance covers oral health care costs. In many countries, dental care is partially covered by the national health system, but in the US it is almost always a separate employer benefit.

### US Coverage Structure

| Category | Coverage | Examples |
|----------|---------|----------|
| Preventive | 100% | Cleanings, X-rays, exams |
| Basic | 70–80% | Fillings, extractions |
| Major | 50% | Crowns, bridges, dentures |
| Orthodontia | 50% (if covered) | Braces, Invisalign |

### Annual Maximum

Most dental plans have an annual maximum benefit of $1,000–$2,500 per person, a limit that has barely changed in 40 years.

### Global Context

- **UK NHS**: Dental care partially covered (3 treatment bands: £26.80–£306.80).
- **Germany**: Statutory insurance covers ~50% of dental costs; private Zahnzusatzversicherung supplements.
- **Canada**: No universal dental coverage; employer plans cover 50–80%.