AVAILABLE TO MASSACHUSETTS COMPANIES

Delta Dental of Massachusetts is committed to improving the oral health of
its members through innovative quality benefit programs. They provide dental
coverage to over 1.9 million people in Massachusetts. And nearly every dentist
in the state participates in one or more of the plans. 

         Delta Dental PPO Value Plan 
              Available to the self employed and groups of one
              Voluntary- no participation requirements
              100% coverage for diagnostic and preventive services
              No waiting periods to receive benefits
              No pre-existing condition exclusions
              Benefits for minor restorative services (Fillings, Oral Surgery, Root Canals)
              Benefits for major restorative services (Crowns and Dentures)
              Approximately 1600 dentist locations to choose from
              no annual maximums and no deductibles
              Dependent coverage to age 19: Full-Time students covered to age 23
              Coverage for non-participating dentists (diagnostic and preventive only)
              No claim forms when visiting a participating dentist; ID card only

         Delta Dental Premier with National Coverage
              Available to groups of 2 or more
              100% coverage for diagnostic and preventive services
              No waiting periods to receive benefits
              No pre-existing condition exclusions
              Benefits for minor restorative services (Fillings, Oral Surgery, Root Canals)
              Benefits for major restorative services (Crowns and Dentures)
              More than 5000 dentists to choose from
              Dependent coverage to age 19: Full-Time students covered to age 23
              Coverage for non-participating dentists
              No claim forms when visiting a participating dentist; ID card only

         DeltaCare
              Available to groups of 2 or more
              100% coverage for diagnostic and preventive services
              No waiting periods to receive benefits
              No pre-existing condition exclusions
              Benefits for minor restorative services (Fillings, Oral Surgery, Root Canals)
              Benefits for major restorative services (Crowns and Dentures)
              Approximately 475 dentists to choose from
              Dependent coverage to age 19: Full-Time students covered to age 23
              Coverage for non-participating dentists
              No claim forms when visiting a participating dentist; ID card only

For additional information about any of Delta Dental plans, please visit
their Web site at www.deltamass.com