For what its worth here's some info you may or may not know. And let me preface this by saying I too am in the same boat as most of you with the exception I have top and bottoms ,, Now the first and foremost thing you need to understand is the whole DENTISTRY community is nothing more than the biggest licensed SCAM in the entire USA ,, I refer you straight to the reader digest article on dentists , Author needed $500 in dental work and got quotes around the country from 500 to over $30,000, for real google it, now with that under stood I PERSONALY have found, you NEVER EVER take the OFFICE QUOTE when your having a lot of work ,,, you NEGOTIATE with the dentist directly! If your dentist wont negotiate WALK OUT ,, you say you have an HMO and Cant ,, WELL I HAVE NEWS FOR YOU ,, I have a HMO TO , I have found when it comes to anything beyond a cleaning, a filling and a checkup HMO and Most DENTAL insurance are an UTTER JOKE,, like the old saying CASH TALKS, the trick is getting beyond the Front desk DYKE who knows nothing other than setting appointments and answering the phone, TRY speaking directly with the owner or dentist who usually is the owner,, I personally have had teeth pulled and crowned at another office cheaper by paying cash ,,HMO$ $1400 CASH$ $450,, Here's another one my 1st set of Plates were 5 visits and $1100 plus co-pays At the HMO dentist, this was b4 I knew any better , 2nd set Came from 1 visit, at a plate mfg facility in PHILLY $350 ,and no co-pays,, So the moral of this story is CASH TALKS and NEGOTIATE, NEGOTIATE ,, oh and one other thing ALL YOU DENTAL HMO PEEPS do you REALIZE your dentist. the one that's doing you all the favors gets PAID EVERY MONTH by your HMO weather you go or NOT,, yep that's RIGHT your DENTIST GETS $50 A Month on avg., just for having you on his client list...TELL ME THATS NOT A SCAM... That's one of the reasons that todays DENTAL INSURANCE IS A COLLOSAL JOKE, and does nothing more the confuse the hell out of people that know no better... Well I hope this help some of you guys out there , I understand what your going thru ,,, and to my bro's oh-rah never surrender