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Outside of FAANG experience.

Dental plans rarely cover anything more than basic maintenance costs. One procedure and you can end up pretty deep into pocket.

If you require regular medication, that can run pretty deep over a year too, since pharmacare plans have copays.

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Dental coverage is not available in many places with nationalized healthcare, such as Canada, Italy, Norway, the Netherlands, and de facto uncovered in the UK. You must pay with a private plan or out of pocket. Only a portion of costs is covered in France, Denmark, and Belgium while the patient must pay the entire amount upfront.

Germany has a situation similar to the US where basic care is fully covered, but more complicated care is not fully covered.

Yeah, dental plans are honestly kind of stupid. They typically have a MAXIMUM amount they will cover, after which you have to pay out of pocket. Which.. is not what I purchase insurance for. I purchase insurance to cover me for the huge bills I can't afford that would destroy me.

That said, if my employer is going to subsidize it, I'm going to take the free money.

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