I suppose we'll find out here shortly what the ramifications are for my wife's broken tooth. I'm glad she isn't in much pain from it; it seems to have pretty much just broken off from structural weakness due to a cavity/filling. She didn't particularly bite down on it; she was just eating her lunch, happened to be chewing on the other side of her mouth, actually, when she felt something foreign and hard. It looks like she lost about half of the crown of the tooth, with the filling still attached to the part that broke off.
I think we're only going to be on the hook for 20% of this work, but depending on what they have to do it could be 50%. But there is no question about needing to have it fixed.
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