[codeddesign]

Dental is completely different than medical in the U.S. and a different insurer/carrier. Sorry, but comparing apples to oranges here.

[akramachamarei]

You shouldn't be getting downvoted.

For those who don't know, I'd recommend the Freakonomics The Economics of Everyday Things episode on dental insurance. IIRC, dental "insurance" has little in common with insurance in general. As a financial product, it's more like an invested savings account.