My son is not yet two, but I want to take him to see a pediatric dentist. I currently do not have dental insurance for him. I want to get some insurance before I take him to the Pediatric dentist. 

Answer: Yes, some HMO plans cover pediatric dentistry services specialists provide. However, in most cases, you must be referred to a specialist by a general dentist in the HMO network. Therefore, it’s essential to choose a general dentist within the HMO network first and then ask for a referral to a pediatric dentist. Additionally, remember that HMO plans have certain limitations and exclusions, so it’s important to carefully review the plan details and check if pediatric dentistry services are covered before enrolling.