How come there is never any good dental insurance offered by an employer? Why can't they pay 90%....?

health insurance does? You have to pay so much out of pocket for dental work, it's terrible. What's the reason?
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I think that dental treatment is generally non-catastrophic where health can be. There are dental conditions that can create life threatening conditions but most dental work is either preventive or restorative. It is not just the percentage paid is lower, the yearly limit they will pay is usually only between $1,000.00 to $2,000.00. In most cases, companies that purchase dental insurance for their employees, would be better off if they self insured and set up their own set of benefits where they reimburse their employees directly for pre-determined dental charges. I you are paying for your own dental insurance, it is usually better in the long run for you to cancel the insurance and just put that amount of money in the bank every month so that you can pay the treatment yourself. Most of us don't need major work every year and even when we do, the insurance is not that helpful and when it does pay for most of the work it is because the particular plan is very expensive.
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