My daughter and I have been patients of Dr. Kerbs almost continuously since 1988. I went with an "in-plan" dentist through Delta Dental one time (1995) and will NEVER switch again. Dr. Kerbs is definately worth the few out-of-pocket $ you will spend. A nice environment with extremely talented and knowledgeable staff. I no longer fear going to the dentist and either does my daughter. And...I know he will be there 10 years from now.