Question: My five year old daughter has dental caries.  She currently need four filling an a possible baby root canal.  I have dental insurance but it does not cover much and I have already maxed out it 1000.00 yearly limit.  I found this is easy to do when your child’s teeth keep getting cavities.

Answer: You could look into buying and HMO dental insurance plan that dose not have any waiting periods for the services you daughter needs.  Or buy a another PPO plan with a high yearly maximum limitation then just $1000.00. However, that would mean you may have to deal with waiting periods that will not help you with your daughter current dental care needs.  I would also suggest calling your current dental insurance plan and seeing if you can increase the maximum limitation without restarting the plan.