With the HMO plans You have to choose a dentist from their list. However, you get immediate coverage for all work needed, and the benefit is unlimited! HMO dental insurance costs the least.

With Indemnity plans you can go to any dentist you want! However, for major work there is a wait of a year and 1/2 from the original start of the policy, and the benefit is limited to $2000 yearly! Indemnity dental insurance costs the most. On Indemnity dental insurance you are covered for 100% on preventive work; 80% on basic work; and 50% on Major work

On the HMO plans we offer the very popular Delta Dental (The coverage is better too); and the more economical PacifiCare Dental.

Benefit Comparisons-Partial List: (note-$ amounts listed are what the patient pays)   Delta Pacificare Exams: no charge no charge Cleaning: no charge no charge Sealant (per tooth): $10 (up to age 14) not covered Cavities: $7 $20 Impacted tooth removal Soft tissue: $50 $50 Impacted tooth removal Partially bony: $70 not covered Impacted tooth removal Comepletely bony: $90 not covered Root canal-Anterior: $55 $100 Root canal-Bicuspid: $110 $130 Root canal-Molar: $165 $175 Crowns-Porcelain with metal and Cast post and core $195 $230

The monthly rates are as follows:

Delta Dental HMO: Single - $29.60; Couples - $44.60; Families - $64.80

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