A heads up about Delta Dental. I used them when w*rking, and all was well. After I signed up via Healthcare.gov, with Delta Dental of Pa, it got worse. The 800 number at Delta told me the deductible would be waived for preventative and diagnostic. Went for cleaning, deductible was NOT waived. I called up the 800 number again to complain, and they said too bad, can't do anything about it. Then I found a web page on their own website showing deductible should be waived, called a different 800 number at Delta, they apologized, said they would fix it and send me a new EOB in mail. I got a reference number for the "fix", and am currently waiting for it to arrive. BTW, Delta has many, many different plans, in different states, with different coverages. I have Delta Dental of Pa low PPO for Families and Individuals.