DENTAL PLANS.

Ranked by enrollment in L.A. County

EXECUTIVE SUMMARY

ABOUT 5.5 million people in the Los Angeles area have coverage with one of the top 15 dental plans in the area. The number of enrollees in L.A. up 7.4 percent from last year.

As was the case last year throughout

Enrollees of dental HMOs declined 8.3 percent in 2000 from 1999 while dental PPOs' enrollment increased 20.8 percent, according to the National Association of Dental Plans' Enrollment Growth Survey.

PPOs, or preferred provider organizations, allow patients to choose dentists outside their plan's network.

In this year's list, PMI Dental Health Planjumped from No. 5 t No. 3 with a 50,000 boost in enrollment over the year.

THE PACESETTER

DELTA DENTAL PLAN OF CALIFORNIA

DELTA Dental Plan of California once again tops the list of plans in Los Angeles County this year, having more than half the 5.48 million combined local enrollees in the top 15 plans.

The area leader, which is based in San Francisco, currently has 2.98 million enrollees.

During the year, Delta Dental replaced its retiring CEO with Gary Radine, who now carries the titles of president and CEO. It also created a holding company, Dentegra Group Inc., to manage Delta Dental Plan of California and Delta Dental of Pennsylvania. The two groups previously operated separately.

The holding company broadens the network of Delta Dental Plan users, which previously was concentrated in 11 states, to 16 states and Washington, D.C, said Jerry Holcombe, senior vice president of administrative services for Delta Dental Plan of California.

Delta Dental had no significant drops in enrollment in 2000, Holcombe said.

The group got a big boost from its small-business enrollees, totaling 300,000 people at the end of 2000, he said. The numbers are up from 90,000 enrollees in 1998, when the company formed an alliance with area health plan administrators, such as BenefitMall.com and Claremont Insurance Services, which already offer services to small businesses.

Rank  Plan (Ranking in 2000)                 Enrollment [1]
      * name                               (current/year ago)
      * address                              * L.A. County
                                              * California
                                             * companywide
   1  Delta Dental Plan of California (1)     2,980/2,898
      12898 Town Center Drive                12,919/10,668
      Cerritos 90703                          13,400/12,444
   2  Cigna Dental Health of california        431.3/390
      Inc. (2)                              1,422.2/1,187.4
      5990 Sepulveda Blvd., Suite 500        13,583/13,080
      Van Nuys 91411
   3  PMI Dental Health Plan (5)              392.1/348.6
      12898 Towne Center drive               1,016/1,033.8
      Cerritos 90703                         1,289/1,255.6
   4  United Concordia Dental Plans of          388/360
      California (3)                            725/625
      21700 Oxnard St., Suite 500             6,400/6,300
      Woodland Hills 91367
   5  The Guardian/MDC of California (7)        310/279.4
      11601 Wilshire Blvd., Suite 300           1,000/609
      Los Angeles 90049                       9,005/5,600
   6  Wellpoint Dental Services (8)           250.4/224.2
      5155 Camino Ruiz, Suite A                 WND/WND
      Camarillo 93011                       2,605.2/2,230.7
   7  SafeGuard Health Enterprises              200/250
      Inc. (4)                                  400/500
      95 Enterprise                             678/907
      Aliso Viejo 92656
   8  PacifiCare Dental & Vision (6)         114.75/315.26
      2099 S. State College Blvd.,          312.35/1,011.16
      Suite 500                            1,064.65/1,394.76
      Anaheim 92806
   9  Golden West Dental & Vision (9)           101/87.8
      888 W. Ventura Blvd.                    250.3/214.2
      Camarillo 93010                         270.4/229.3
  10  Western Dental Services Inc. (10)        82.3/75.2
      530 S. Main St.                          312/317.1
      Orange 92868                            317.9/323.9
  11  Ameritas Life Insurance Corp. (12)        75/50.0
      151 Kalmus Drive, Suite J3                 125/70
      Costa Mesa 92626                        2,000/1,850
  12  Dentalpoint Inc. (11)                    67.3/67.3
      1875 Century Park East, Suite 1875      116.9/116.9
      Los Angeles 90067                       921.5/921.5
  13  Blue Shield of California (14)           33.4/27.6
      6701 Center Drive West, Suite 800       456.1/433.2
      Los Angeles                              same/same
  14  Fortis Benefit Insurance Co. (13)        28.3/27.4
      200 N. Sepulveda Blvd., Suite 360       133.8/117.6
      El Segundo 90245                        775.3/700.3
  15  HumanaDental (15)                        26.7/19.4
      3760 Kilroy Airport Way, Suite 350       102.3/71.8
      Long Beach 90720                       2,130/1,703.8
Rank  Dentists [2]    Revenues [3]            Services [4]
       * current    L.A./companywide
       * year ago        * 2000
                         * 1999
   1     6,097         NA/$2,800             dental PPO, FFS
         6,020         NA/$2,680
   2     5,363          WND/WND             dental HMO, PPO,
         4,881          WND/WND              indemnity, ASO
   3      974            NA/143          dental HMO, individual
          931            NA/142          and group, group vision
                                                programs
   4     2,506          44.6/743            dental HMO, PPO,
         2,418         41.9/640.8               FFS, ASO
   5     5,000          WND/WND       group life, medical, dental,
         4,900          WND/WND       vision, disability, qualified
                                          retirement plans, ASO
   6     4,739        WND/8,583.7         dental HMO, PPO, FFS
         4,057        WND/6,896.9
   7      506          30.8/97.3       managed care dental plans,
          494          31.9/96.2        dental PPO and indemnity
                                           plans, vision plans
   8   1,488 [5]       NA/11,500          dental HMO, PPO, FFS,
       2,467 [6]       NA/10,000              vision plans
   9     4,430          WND/WND          prepaid, PPO, indemnity
         4,321          WND/WND
  10     1,010          WND/WND          dental HMO, individual
          952           WND/WND                 and group
  11     3,500          WND/WND          dental indemnity, PPO,
         1,900          WND/WND                HMO, vision
  12     2,904          WND/WND             dental PPO, EPO,
         2,904          WND/WND            utilization review,
                                          claim administration
  13     3,494          WND/WND             dental HMO, PPO,
         3,295          3.7/32.9                indemnity
  14      WND           10/235.7        life, disability, dental
          WND          7.4/206.5          indemnity, voluntary,
                                         PPO for employer groups
  15     4,320           NA/NA              dental PPO, HMO,
         2,480           NA/NA          indemnity, voluntary and
                                            self-funded plans
Rank          Profile                   Marketing
           * parent co.                 * contact
          * headquarters                * www site
   1           same                 Stephen Spigarelli
           San Francisco            deltadentalca.org
   2     Cigna Healthcare             Mark Burkhard
         Bloomfield, Conn.           cigna.com/dental
   3   Delta Dental Plan of          Steve Spigarelli
            California              deltadentalca.org
           San Francisco
   4         Highmark                 Kevin O'Toole
         Harrisburg, Penn.         unitedconcordia.com
   5  Guardian Life Insurance         Stephen Laine
            of America                   glic.com
             New York
   6     Wellpoint Health              Ron Ragland
           Neworks Inc.         wellpoint.com, bluecross-
           Thousand Oaks                  ca.com
   7           same                     Robin Muck
            Aliso Viejo               safeguard.net
   8     PacitiCare Health            Jerry Nosewicz
              Systems             pacificare.com/dental
              Anaheim
   9           same                   Patrick Keelan
             Camarillo             goldenwestdental.com
  10           same                   Mark Skawinski
              Orange                westerndental.com
  11           same                    Jean Arballo
           Lincoln, Neb.               ameritas.com
  12           same                     Larry Kay
              Fresno                 dentalpoint.com
  13           same                     Gaye Clark
           San Francisco             blueshieldca.com
  14        Fortis Inc.               Jim Gimarelli
         Kansas City, Mo.      fortisbenefits.us.fortis.com
  15        Humana Inc.                John Walley
          Green Bay, Wis.            humanadental.com
Rank  Top Local Executive
      * name
      * title
      * phone
   1  Stephen Spigarelli
      director of sales, So. Cal.
      (562) 403-4040
   2  Alan West
      regional vice president
      (818) 756-2900
   3  Tony Barth
      senior vice president, coo
      (562) 403-4040
   4  Len Matuszak
      v.p., coastal region
      (818) 710-9400
   5  Stephen M. Laine
      sales manager
      (800) 225-3399
   6  Ron Ragland
      vice president, sales
      (818) 234-2345
   7  James E. Buncher
      ceo, president
      (949) 425-4300
   8  James Stumpfel
      ceo, president
      (714) 704-9494
   9  Chris McConathy
      director of marketing
      (800) 995-4124
  10  Samuel Gruenbaum
      ceo, president
      (714) 480-3000
  11  Sherry Hobbs
      field officer, Western region
      (800) 336-6661
  12  Mike Dlener
      president
      (310) 553-5876
  13  Alan Puzarne
      senior vice president
      (310) 670-4040
  14  Don Spini
      sales manager, Los Angeles
      (310) 322-3300
  15  John Walley
      director of sales
      (800) 999-6093

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

(5.)Dental Plans only

(6.)Included Vision Plans

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, 2001. The survey was completed during the week of April 30, 2001. To the best of our knowledge, this information is accurate as of press time. While every effort is made to ensure the accuracy and thoroughness of the list, omissions and typographical errors sometimes occur.

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