1 Wikipedia, The Free Encyclopedia. 5 June 2006. Wikimedia Foundation, Inc. 6 June 2006 en.wikipedia.org/wiki/Insurance.

2 Merriam-Webster Online. 23 May 2006. Merriam-Webster Inc. 23 May 2006 www.m-w.com/dictionary/insurance.

3 Hogue, Kathleen, Cheryl Jensen, and Kathleen McClurg Urban. The Complete Guide to Health Insurance: How to Beat the High Cost of Being Sick. New York: Walker and Company, 1988.

4 The Columbia Encyclopedia. Insurance. Questia Media America, Inc. 23 May 2006 www.questia.com/PM.qst;jsessionid=GyjG1ShJyxH1VKndVyJV4KF8pf21XNg2mTPTJvqTTJyJbZTvQMC3!-156682754!778665962?a=o&d=101250835.

5 O’Grady, Francis T. Individual Health Insurance. New York: Society of Actuaries, 1988.

6 Managed Care Museum. 23 May 2006. MCOL. 23 May 2006 www.managedcaremuseum.com/timeline.htm.

7 Harris, Louis and Associates. American Attitudes Toward Health Maintenance Organizations. New York: Garland Publishing, 1981.

8 IRMI.com. 23 May 2006. International Risk Management Institute, Inc. 23 May 2006. www.irmi.com/expert/Articles/2004/Bogardus09.aspx.

9 Mayes, Donald S. Dental Benefits: A Guide to Dental DPPOs, DHMOs and Other Managed Plans. New York: International Foundation of Employee Benefit, 2002.

10 U.S. Department of Health and Human Services. Oral Health in America: A Report of the Surgeon General. Rockville, MD: U.S. Department of Health and Human Services, National Institute of Dental and Craniofacial Research, National Institutes of Health, 2000.

11 National Association of Dental Plans. 2000 Dental Benefits Report - Enrollment & Networks. 01 July 2000. www.nadp.org.

12 Dental, Oral and Craniofacial Data Resource Center. Oral Health U.S., 2002. Bethesda, Maryland, 2002.

13 National Association of Dental Plans. Testimony for NAIC Public Hearing on Health Discount Plans. 6 December 2004. www.nadp.org.

14 National Association of Dental Plans. 2003 Report: Discount Dental Plan White Paper. June 2003. www.nadp.org.

15 Animated-Teeth.com. 23 May 2006. WMDS, Inc. 23 May 2006. www.animated-teeth.com/dental_insurance/t4_dental_insurance.htm.

16 National Association of Dental Plans. The State of the Dental Benefits Market, 2005. 16 January 2006. www.nadp.org.

17 DentalPlans.com. 23 May 2006. DentalPlans.com, Inc. 23 May 2006 www.dentalplans.com/.

18 Berggren, Jerry. Dental plan trends: Continued plan shopping, cost-shifting predicted for 2006. February 2006. Employee Benefit News. 23 May 2006 www.benefitnews.com/detail.cfm?id=8560.

19 Anderson, Tom. Consumerism comes into dental benefits. July 2005. Employee Benefit News. 23 May 2006 www.benefitnews.com/dental_vision/detail.cfm?id=7699&arch=1.

20 Elswick, Jill. Smiling through: Employees grin and bear higher costs for dental benefits. February 2005. www.benefitnews.com/dental_vision/detail.cfm?id=7053&arch=1.

Save on dental care for you and your family with a Discount Dental Plan, an alternative to Dental Insurance.

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