My three-year-old son has a cavity in one of his back baby teeth. I took him to see the dentist the other day and was told he would need a filling, and he suggested that since the cavity is significant, I should have the tooth capped. I have not had dental insurance paying for everything myself up to this point. Is it too late for me to get dental insurance for my son now?

Reply: I understand that you are concerned about the cost of the dental procedure for your son. Getting dental insurance for your son is still possible, even though he already has a cavity. Review dental HMO insurance plans. HMOs are low in cost, and more importantly, they generally do not have waiting periods for dental services. 

Lastly, it’s crucial that you don’t start any dental work until your dental insurance is in place. Otherwise, it may be deemed work in process and may not be covered by your insurance plan. I suggest you research and find a dental insurance plan that suits your needs and budget before proceeding with any dental work for your son.