Lets say you do not have dental insurance, but found out you have a abscessed tooth. The cost of fixing the tooth is too high but you can not delay dental care treatment because you do not want the infection to spread.   Sadly many people do put off buying dental insurance until they are dealing with a dental care need that is costly.

However at times like this you can still buy a dental insurance plan to help you out with your cost.  Yet it is important to understand that you will be limited in the type of dental insurance plan that can help. In this type of situation you will want to review HMO dental insurance plan options. Generally HMO dental insurance plans will not have waiting periods for larger dental care needs. Where as most PPO dental insurance plans will have long term waiting period for major dental services and they will not be the best option for this type of situation.