Dental health is a service provided by people who spend money to outfit dental clinics. Same as medical professionals. As such, the market dictates the availability and costs. Instead of the government, which is the way it should be. It's amazing to me the number of people who think the government, who can't seem to run anything well, should be running healthcare and dental care. Just so a small minority of the population can afford something. Rather than provide services that only that small portion of the population can use if they choose to.
Insurance is 'crappy' because the most expensive treatments are cosmetic and most insurance won't cover more than 50%. Same as health regular insurance, it doesn't cover many cosmetic treatments. Because, if it did, insurance rates would go up to cover the increased costs. Providing orthodontic coverage for anyone other than those with serious misalignment places a large monetary burden on everyone else, just so they can look pretty. Why should I have pay for someone to have a pretty smile?? Letting me decide what insurance I want is the best way to provide efficient coverage without further driving up demand and costs.
You see that in the medical field. Breast augmentations are covered as the result of cancer treatments, not simply because someone got old. Cataract surgery isn't covered until it affects ones ability to drive, not because someone just wants to see better.
Many companies provide dental insurance as an inexpensive benefit. It's inexpensive because most people CHOOSE to not use it.