If you have dental fears or anxiety know that you are not alone. Between 9% and 20% of Americans avoid going to the dentist because of anxiety or fear. When shopping out a dental insurance plan to help save money on your dental care cost, it is important to make sure you are going to have a dentist that knows how to manage dental anxiety under the plan.
Dental insurance plans such as HMO make you choose a dentist within their plan network of providers. Therefore before buying an HMO it is a good idea to make sure they have dental providers that will be able to address your dental anxiety.
Where as PPO plans may also have a net work of dental providers, most will let you choose a dentist that is outside the provider network (sometimes at a reduce coverage). The key is finding a dental insurance plan that will work well with your dental needs as well as a dentist is able to address your fears and or anxiety.