Dental Plans are fairly important type of insurance when looking at job benefits. Dental insurance was once considered a big company perk, but now dental insurance has established itself as a must have benefit. There are five different types of dental plans.

Direct Reimbursement Plan:

- The first and best type of dental plan is the direct Reimbursement plan. This type of plan is straightforward. Employees are reimbursed for any dental work without having to deal with payments or deductibles. These payments come directly out of a pool that is set up by the company in which you work.

Indemnity Plan:

- The next type of plan is an indemnity plan. This plan is also fairly straightforward and employees also get full payment for dental work. It is a plan that works through the employers insurance company, but it does require that employees pay a deductible usually around $50.00; this deductible being the one problem with this type of dental care.

Managed care plans:

- Managed care plans are also another form of dental care plan. Managed care plans require that patients choose from a pool of dentists and pay a co-payment for treatment much like the HMO's used for Health insurance.

Preferred provider organizations:

- Preferred provider organizations or PPO's are also used for health plans and work in the exact manner that they do in health insurance.

Dental health maintenance organizations:

- Dental health maintenance organizations are identical to the PPO's above but with this type of insurance, dentists within the certain network perform their duties for free rather than any sort of copay's.

Today it is becoming very common for an employer to offer vision insurance. According to a survey conducted by the Society of Human Resource Management 58% of businesses with fewer than 100 employees offer vision insurance.

WHATS COVERED WITH VISION INSURANCE?

Vision plans due vary. They can range from plans that just cover checkups to plans that cover extensive eye treatments. But more often than not a vision plan will be very limited, usually covering routine eye exams, prescription eyewear, and glaucoma screenings. In most cases this type of plan should be more that sufficient for an employee.

HOW DO VISION PLANS WORK?

Vision plans generally work through or similar to your company's health insurance provider. They are fairly easy to understand, and since the plan is so cheap for the employer, they generally do not require a high co-pay upon visits.

WHAT TYPES OF COMPANYS GET VISION INSURANCE FOR THEIR EMPLOYEES?

Generally small companies with a fairly extensive benefits package, give their employees vision insurance. Remember though, if vision insurance is not offered through a company it is fairly inexpensive and should not sway a decision to join a certain company.