Often times children under the age of five will need to go to a Pediatric dentist instead of a family or general dentist.  That being the case if you have younger children you will want to make sure you either have a dental insurance plan or are buying a dental insurance plan that offer benefits on Pediatric (Specialist) dentistry.  

Generally that would mean buying either a dental PPO or a dental Indemnity dental insurance plan. Although there are some HMO dental insurance plans that will provide saving off the cost of specialist they do not always have a broad range of specialist.   Therefore when buying and HMO dental insurance plan check to make sure there are Pediatric dentist in the plan network that you are able take your child to for his or her dental care needs.