Can you use dental insurance in conjuction with a dental plan- or just the dental

[izzymon06]

plan? My husband has a PPO dental plan that applies everything to the yearly deductable- which is very high. It also has a maximum benefit that only pays $1,000 per year per person. This covers the family including the kids. I have an HMO plan- which I'm finding out most dentists in the area refuse to accept anymore. Because the HMO locks you into a dentist- I'm stuck until open enrollment. The dentist that we selected refuses to honor the HMO insurance as the secondary coverage. They claim that they don't make enough so they don't have to honor the plans fee structure- so they bill us the difference. I have paid what my HMO carrier has indicated as being due but the dentists office refuses to clear the account and state it as current. They are also refusing to allow us to move our care to another dentist. But the HMO indicates that they are sure willing to accept their monthly payments from the HMO carrier.

Is typical dental insurance worth it? I seem to be paying more w/ a PPO