In a prior post we talked about how dental insurance benefits may not cover for specialist and the dental insurance plans that do will normally offer less coverage for specialist then they do for family/general dentist. It is especially important to keep in mind when you have children under that age of five. Since many of your family/general dentists will not provider services for children under the age of five. Pediatric dentist are specialist and therefore you will need to fully under stand your insurance plans terms and conditions for specialist services.