Once offered by only a few employers, dental insurance is now offered by 40 percent of small businesses. Dental insurance plans generally cover part or all of the cost of cleaning, X-rays, annual oral exams and fillings. Some plans also cover major items such as crowns and restorative work. Most plans do not cover orthodontics. In some areas, dental maintenance organizations (DMOs) may be available. They function in much the same way as medical HMOs and may be less expensive than traditional plans.
Vision plans are also growing in popularity. A typical vision plan includes an annual routine eye exam, an annual contribution towards prescription eyewear and a glaucoma screening.