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individual dental insurance for braces?

What is a good "individual" dental insurance if I were to get braces? I have done some research and nailed it down to DeltaCare and Pacificare. So which dental insurance is better, or any other suggestions? Pacificare cost slightly less than DeltaCare as far as co-payments go. Both are HMO plans, all the PPO plans covers little to nothing for braces, so HMO seems to be the only way to go for an individual plan. DeltaCare seems to be more reliable since it's associated with Delta Dental, a little more costly also. I'm more concerned about the "quality" of the services as far as making claims and such. So DeltaCare, Pacificare, or ay other dental insurance/plans? Any personal experience with either of these companies? I am in San Francisco, California.

Public Comments

1. I am also in the same situation as you. I have come down to Delta Dental (not sure how this is related to Delta Care) and Pacificare? I am not sure which one is better. For a family plan of which I am interested in for Pacificare it is about $400 a year. My child needs braces and I will need probably some root canals and crowns in the near future. My questions are: 1. Do you know what the waiting period is for either Delta Dental and Pacificare for major work like braces or root canals and the like? 2. I did not see the cost of the annual amount for Delta Dental? 3. Which plan is best for coverage of braces---Delta Dental or Pacificare? 4. Perhaps there is another company out there that is better than both but my research has not determined that---but I could always be wrong? I am in San Diego, CA