Hopefully if you need a root canal you already have current dental insurance. However for many that is not the case even though by having dental insurance it will help make having a root canal much more affordable.
It may be already too late to buy a dental PPO or Indemnity plan do to their plan waiting periods. Therefore when reviewing dental HMO insurance plans you want to make sure the plan you are reviewing provides coverages for specialist (case you need to get refer to one) and if it does cover for specialist know the coverage amount. In many cases HMO plans that do provide benefits for specialist do so at lower coverage, on average between 20 and 30 percent.