Recently I signed up for delta dental HMO offered by Costco. Premiums are reasonable, moreover both delta and costco are reputable brands.

well, what do you know.. the plan is total rip-off. Delta folks offer limited number of providers thru this plan. Almost all providers in my area are low-quality doctors, they have very bad reviews in all review sites like yelp.

Do NOT sign up for this plan. I need to find a way to get out of this plan.

to learn more about HMO, go to http://en.wikipedia.org/wiki/Health_...e_organization or check out http://www.bcbsm.com/index/health-in...n-hmo-ppo.html