Most Americans get dental and vision coverage through their employer. As a general rule, ancillary benefits are most commonly purchased by employees on a voluntary basis. Typically, when employees are offered a dental insurance product, many of them turn it down as a benefit they are willing to pay for, especially if they are part-time or a lower-wage worker.

According to the Minnesota Department of Employment and Economic Development, while 67.3 percent of full-time workers and 14.9 percent of part-time workers in surveyed industries are offered some type of employer-sponsored dental coverage, either as a stand-alone policy or as part of their medical plan, only 52.7 percent of full-time workers and 8.0 percent of part-time workers participate in an employer-sponsored dental plan.

However, if you or your employees do have dental benefits, use them.