Dental Insurance (group/individual, stand alone, voluntary):

This plan type provides dental coverage but does not include any other coverage.

Dental care can either be part of a medical policy or it can be a separate policy altogether. Basic dentistry services are covered, and orthodontics and surgical procedures, although usually not included, can be added for an additional charge. Routine examinations and cleanings are usually provided free of charge. One important point to remember, however, is that most dental-care plans have an annual maximum. Any costs exceeding this amount are not covered. Once considered a big company perk, dental insurance has established itself as a must-have benefit. In fact, according to a Society for Human Resources Management survey in 1999, 83% of small businesses now offer dental insurance. Dental care contributes to the all-around health of a company's employees. Low-cost preventive procedures, like cleanings, also contribute to the overall health of the company's employees, which means a decrease in sick time.

If cost is holding the organization back, it should consider this fact: dental coverage is typically less than 10% of the cost of medical coverage, making it more affordable than most people might think.

There are many different plans with several variations within those plans. Organizations must take time to get to know each plan before making a choice.

The most expensive plans are direct reimbursement plans. Direct reimbursement plans operate by paying for dental coverage with a pool of money that the company sets aside specifically for this purpose. This self-funded plan's greatest strength is that it is straightforward - employees are reimbursed according to a simple formula that does away with the complexity of deductibles. Unfortunately, even though this is the type of plan that the American Dental Association recommends, directly covering the cost of dental care can be cost-prohibitive for small businesses.