In March-May 1988, we collected data on enrollment of 1,445 Army families with grade school children in the Active Duty Dependents Dental Insurance Plan at two Army posts. We also surveyed their reactions to the plan. Results show that, although nearly two-thirds of families are enrolled in the plan, most consider the plan a loss of benefits and coverage inadequate. Queues and limited services at military clinics are primary reasons for joining; poor coverage of the dental insurance plan is the main reason for not. A majority of families are willing to pay more for expanded coverage.