Dental Insurance

Dental insurance is employer-sponsored coverage for dental care expenses. It's usually included as part of a benefits package and covers a range of services at varying levels. **Typical dental insurance structure:** - **Preventive care (100%)**: Cleanings, X-rays, exams — usually fully covered - **Basic restorative (70-80%)**: Fillings, extractions - **Major restorative (50%)**: Crowns, root canals, dentures - **Orthodontics (often separate or limited)**: Braces, Invisalign — may have a lifetime maximum ($1,500-$2,000) **Annual maximum:** Most dental plans have an annual benefit maximum ($1,000-$2,500). Once you exceed this, you pay out of pocket. This is a key comparison point. **Premium:** Dental premiums are typically modest ($10-$30/month for employee, $30-$80 for family). The employer often pays most or all of this. **In the offer context:** Dental insurance is rarely a primary offer comparison point unless you have significant dental needs or a family. It's worth confirming it's included in the benefits package, but it shouldn't be a negotiation focus unless you've identified a specific gap. **Vision insurance:** Often paired with dental in benefits discussions. Covers eye exams, glasses, and contacts. Similarly modest monthly cost; useful for covered employees with regular vision needs.