I just became eligible and have about $12,000 of dental work needing done on me, my husband and our kids. Delta Dental is pretty good in my past experience but I'm already getting the run around, i.e. out of pocket deductibles vs the per pay check premiums (which are pretty good, it's only $1.25 a check!!). But yet I hear I have to pay $5,000 up front before anything kicks in. Help, please?