Your question depends almost entirely on your employer, unfortunately...not sure on private party. Also, dental and medical plans are often separate options (I have regular medical coverage and dental PPO, for example).

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TC
Current stable:
- 2004 Mazda RALLYWANKEL
- 2007 Saturn sky redline
- 2004 Explorer...under surgery.

Past: 135i, GTI, 300E, 300SD, 300SD, Stealth