My daughter and I went for a dental check up. Found service to be satisfactory. Before making the appointment, I asked the nurse if they were on the HBA preferred panel and she said "yes". Under HBA, children under 24 are fully covered for all dental. However, I had to pay a gap payment for my daughter for a checkup and scaling. At other HBA panel dentists I go to, my children are fully covered. Not happy about the nurse getting that wrong!

Approximate cost: $150