DENTAL PLANS.

Ranked by enrollment in L.A. County

EXECUTIVE SUMMARY

ALMOST two-thirds of Los Angeles County's population has dental coverage, with the 15 companies on this week's list accounting for close to 6 million people.

The popularity of dental plans continues to grow, with

The paid provider organizations have proven popular by allowing patients to choose dentists outside a plan's network, even though the consumer pays extra for the privilege. According to the NADP, dental HMO enrollment nationwide actually fell by 1 percent in 1999, while dental PPO enrollment increased by 34 percent.

THE PACESETTER DELTA DENTAL PLAN OF CALIFORNIA

WITH more than a 2 million-member lead over the No. 2-ranked company on the list, Delta Dental remains the largest dental health plan in Los Angeles. The San Francisco-based nonprofit corporation is also the largest in the state, covering more than one in every three Californians with 18,000-plus participating dentists.

Along with the rest of the dental industry, Delta is suffering losses in its HMO program enrollment but has seen its PPO membership increase by 38 percent.

While Delta's annual reportcites an increase in enrollees in 1999 vs. 1998; Kaiser Permanente decided this year to terminate its participation in PMI Senior Advantage, a Delta Dental affiliated program for seniors. Kaiser cited- changes in Medicare legislation as its reason for dropping the program.

In response to the loss of Kaiser membership, Delta developed a new plan designed especially for seniors and others with Medicare coverage. It hoped to convince those lost Kaiser members to re-enroll in the new program as individuals.

In addition to large government accounts such as L.A. County employees and private-sector employers such as Lockheed-Martin Corp., The Gap and Restoration Hardware, Delta recently contracted with Rockwell International, the Federal Reserve Bank of San Francisco and Logicon.

Rank Plan                                          Enrollment [1]
     * name                                      (current/year ago)
     * address                                   * L.A. County
                                                   * California
                                                   * companywide
 1   Delta Dental Plan of California               2,993/3,080.8
     12898 Town Center Drive                      10,666.4/9,849.6
     Cerritos 90703                              12,444.2/11,623.5
 2   Cigna Dental Health of California Inc.         389.6/464.6
     5990 Sepulveda Blvd., Suite 500               1,185.9/1,317.7
     Van Nuys 91411                               13,080/13,783.6
 3   United Concordia Dental Plans of California      360/350
     21700 Oxnard St., Suite 500                      625/590
     woodland Hills 91367                           6,300/6,100
 4   SafeGuard Health Enterprises Inc.               352.9/361
     95 Enterprise                                    601/609
     Aliso Viejo 92656                                954/968
 5   PMI Dental Health Plan                         348.6/401.1
     12898 Towne Center Drive                     1,033.6/1,151.2
     Cerritos 90703                               1,255.8/1,1376.5
 6   PacifiCare Dental & Vision                     315.2/365.5
     2099 S. State College Blvd., Suite 500       1,011.1/1,081.2
     Anaheim 92806                                1,394.7/1,327.6
 7   The Guardian/MDC of California                 279.4/247.3
     11601 Wilshire Blvd., Suite 300                 608.4/529
     Los Angeles 90049                            5,565.7/4,716.7
 8   Wellpoint Dental Services                      224.2/227.2
     5155 Camino Ruiz, Suite A                        WND/WND
     Camarillo 93010                              2,230.7/2,542.9
 9   Golden West Dental & Vision                     87.8/79.8
     888 W Ventura Blvd.                             214.2/198
     Camarillo 93010                                 229.3/198
10   Western Dental Services Inc.                    70.9/68.4
     530 S. Main St.                                317.1/334.8
     Orange 92868                                   323.9/341.2
11   Dentalpoint Inc.                                67.3/67.3
     1875 Century Park East, Suite 1875             116.9/116.9
     Los Angeles 90067                              921.5/921.5
12   Ameritas Life Insurance Corp.                   26.2/41.6
     151 Kalmus Drive, Suite B-270                    134.7/65
     costa Mesa 92626                              1,039.9/131.8
13   Fortis Benefit Insurance Co.                    25.7/16.2
     200 N. Sepulveda Blvd., Suite 360               104.4/88.6
     El Segundo 90245                               642.1/603.9
14   Blue Shield of California                       21.8/17.9
     21555 Oxnard St.                               433.2/403.5
     Woodland Hills 91367                            same/same
15   HumanDental                                     19.6/19.2
     3760 Kilroy Airport Way, Suite 350              71.8/65.5
     Long Beach 90806                             1,703.6/1,484.2
Rank Dentists [1]   Revenues [3]            Services [4]
      * current   L.A./companywide
      * year ago       * 1999
                       * 1998
 1      6,020        NA/$2,680      fee-for-service, PPO dental
        5,902        NA/$2,440
 2      4,881         WND/WND             dental HMO, PPO,
        4,687         WND/WND              indemnity, ASO
 3      2,418        41.9/640.8        dental HMO, PPO, FFS,
        2,125          30/473                   ASO
 4      1,103        35.1/96.2       managed dental care plans,
        1,103        31.3/97.6     indemnity dental plans, vision
                                   benefits plans, adminstrative
 5       931           NA/142        dental HMO programs-indi-
        1,163          NA/125         vidual and group, group
                                          vision programs
 6      2,467          NA/NA            dental HMO, PPO, and
        2,426          NA/NA              FFS; vision PPO
 7      4,900         WND/WND       group life, medical, dental,
        4,550         WND/WND      vision, disability, qualified
                                          retirement plans
 8      4,057         WND/WND        PPO, HMO, fee-for-service
        4,550         WND/WND
 9      4,321         WND/WND         prepaid, PPO, indemnity
        1,149         WND/WND
10       952          WND/WND          dental HMO, indemnity,
         918          WND/WND                 PPO, EPO
11      2,904         WND/WND             dental PPO, EPO
        2,904         WND/WND        utilization review, claim
                                           adminstration
12      1,747         WND/WND            dental, indemnity,
        1,176         WND/WND           managed care, vision
13       WND         7.4/174.2           indemnity, PPO for
         WND         4.5/162.5            employer groups
14      3,295         3.7/32.9        dental HMO, dental PPO,
          NA          3.1/27.8               indemnity
15       557         6.9/214.9        traditional, dental HMO,
         502         7.1/176.3         and self-funded plans
Rank         Profile                  Marketing
          * parent co.                * contact
         * headquarters               * www site
 1            same                     Tom Peel
          San Francisco            deltadental.org
 2      Cigna Healthcare            Mark Burkhard
        Bloomfield, Conn.          cigna.com/dental
 3          Highmark                Kevin O'Toole
         Camp Hill, Pa.          unitedconcordia.com
 4            Same                 Fabian Carrillo
           Aliso Viejo              safeguard.net
 5    Delta Dental Plan of             Tom Peel
           California             deltadentalca.org
          San Francisco
 6      PacifiCare Health           LaMonte Howard
             Systems            pacificare.com/dental
             Anaheim
 7   Guardian Life Insurance       Stephen M. Laine
           of America                  glic.com
          New York City
 8      Wellpoint Health             Cheryl Pope
          Neworks Inc.             bluecorssca.com
          Thousand Oaks
 9            Same                  Patrick Keelan
            Camarillo            goldenwestdental.com
10            Same                  Gordon Walker
             Orange               westerndental.com
11         Dentalpoint                Larry Kay
             Fresno                       NA
12            same                 Barry Aronowitz
          Lincoln, Neb.           group.amerita.com
13         Fortis Inc.                Don Spini
          New York City      fortisbenefits.us.fortis.com
14            same                    Gay Clark
          San Francisco            blueshieldca.com
15         Humana Inc.               John Walley
         Louisville, Ky.              humana.com
Rank      Top Local Executive
               * name
               * title
               * phone
 1             Tom Peel
     director of sales, So. Calif.
            (562) 403-4040
 2           Susan Klarner
               president
            (818) 756-2900
 3            Len Matuzak
         v.p., coastal region
            (818) 710-9400
 4         James E. Buncher
            ceo, president
            (949) 425-4300
 5             Tom Peel
     director of sales, So. Calif.
            (562) 403-4040
 6          James Stumpfel
            ceo, president
            (714) 704-9494
 7         Stephen M. Laine
             sales manager
            (800) 225-3399
 8            Jim Perkins
            general manager
            (818) 234-2345
 9          Patrick Keelan
        regional sales manager
            (800) 249-3342
10          Samuel Guenbaum
            ceo, president
            (714) 480-3000
11            Jerry Levey
               president
            (310) 553-5876
12           Sherry Hobbs
     field officer, Western region
            (800) 776-9446
13             Don Spini
      sales manager, Los Angeles
            (310) 322-3300
14           Alan Puzarne
         senior vice presient
            (310) 670-4040
15            John Walley
           director of sales
            (562) 989-8181

NA - not available

WND - would not disclose

(1.)In thousands.

(2.)Participating dentists in L.A. County.

(3.)In millions.

(4.)Abbreviations for services: ASO - administrative services only, FFS - fee for service, HMO - health maintenance organization, POS - point of service, PPO - preferred provider organization, EPO - exclusive provider organization.

Note: The information for this list was provided by representatives of the dental plans themselves. Plans are ranked by L.A. County enrollment as of March 31, 2000. DentiCare of CA might have qualified for the list but was unable to provide L.A. County enrollment numbers. The survey was completed during the week of May 8, 2000.