Health maintenance organizations, Preferred provider organizations, exclusive provider organizations, point-of-service plans and high-deductible health plans are common types.

Typically, a dental insurance plan covers the cost of annual check-ups, x rays, routine cleanings. They also cover fillings, deep cleanings and simple extraction procedures.

Yes. It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.