We also use Dr. Williams and are very pleased so far. As to your dental plan I suggest you look at the plan carefully to see if you are really getting anything of value. Do the math based on your reasonable expectation of care needed then compare that will just banking the premium. I found that since most plans don't cover anything more than about $2000 of medical costs and the premium can be as much as $800 for this coverage that I was better off saving my premiums for a year or so and self insure.
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