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* Probably only those offered through employer sponsored plans, but policies vary from state to state

* To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network).

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