Sometimes a person can put off buying or having dental insurance until there are larger dental needs to address. This is common but not highly advise. However say you are shopping for dental insurance do to a toothache need. Even though you may have a toothache it is important fully understand the dental insurance plan you are going to buy and how it is going to benefit your current dental need. You will want to make sure the dental insurance plan you are buying does not have any waiting periods. In cases like this, you may want to review dental HMO insurance plans. Most dental HMO plans do not have waiting periods. Therefore you are able to receive benefits for all covered dental services. Where as most PPO insurance plans do have waiting periods therefore they may not be the best dental insurance option when you have a dental toothache issue.