Dental insurance usually comes with 2 teeth cleanings a year, and one set of xrays. These are 100 percent covered.

This layout is the more or less standard delta dental PPO. It's used by the vast majority of employers across the country.

Employers also get group discounts, so it's usually something like $10. The total cost is $120 a year if you don't need dental work.

You have one of the worst dental plans possible.