Oral health payment systems around the world: structures, challenges, and trends, a scoping review

BACKGROUND: The prevalence of dental and oral diseases is increasing globally, yet the utilization of dental services has not shown a corresponding rise. Cost remains a major barrier, as dental care ranks among the four most expensive health services globally. These costs are shaped by each country's health payment system, which plays a critical role in determining access to healthcare. This scoping review aims to map the existing evidence on oral health payment systems and examine how these systems influence access, utilization, equity, and financial protection in different settings. METHODS: A scoping review was conducted of articles published between 2018 and 2025 that examined payment systems for oral health services. Literature searches were performed using PubMed, Google Scholar, and ScienceDirect. RESULTS: Eleven eligible articles revealed two main types of payment systems: insurance-based and non-insurance-based systems. Insurance models included capitation, global budgets, and reimbursement schemes, whereas non-insurance models relied on out-of-pocket or fee-for-service (FFS) payments. The FFS approach, commonly used in countries such as Saudi Arabia, the Netherlands, and Cameroon, imposed significant financial strain on patients. Insurance systems combining public and private schemes were implemented in multiple countries, including the United States, Saudi Arabia, Denmark, the United Kingdom, Hungary, Ireland, Italy, the Netherlands, Scotland, Spain, France, Germany, Romania, and Indonesia. Service coverage varied by country; for instance, government insurance in the Netherlands excluded dental care. Capitation for preventive services has been implemented in Sweden, Australia, and Indonesia. Cameroon did not have a national health insurance system (NHI). Moreover, the Netherlands and Spain had NHIs that did not cover dental health services. CONCLUSION: No single dental health financing model is universally applicable, as its effectiveness depends on government policies and local contexts. Payment systems should be designed to increase access and alleviate the financial burdens of low-income populations.