I’m not sure why you say this. Maybe I don’t understand what you mean.

I have Delta Dental through my employer’s benefits and it covers all the types of operations that I’d expect: preventive, endodontic, periodontic, orthodontic, prosthodontic, etc.

If I need a root canal, it’s covered by Delta Dental (up to a point, given the deductible). If I chip a tooth, and get an inlay or onlay, that is covered. Is this not insurance? Why not?