Selecting a new dentist is a big decision. You want someone who is skilled, knowledgeable, caring, and compassionate, but also someone who you can afford. If you have dental insurance, you may be wondering if it’s better to choose a dentist who is in-network with your provider versus out-of-network. Here’s what it means to go out-of-network, and what you could be missing out on if you do.
Defining Moments: In-Network vs. Out-of-Network
When it comes to dental insurance, many patients can be confused by the terms in-network versus out-of-network. If your dentist is in-network with your plan, that means they have already done the hard work of pre-negotiating fair rates with them, so you get the best price possible on your treatment. Conversely, out-of-network means you can still likely use your dental insurance with them, but you will need to submit a claim to see how much they’ll cover, as they have no formal agreement in place. Your provider can still approve or deny your claim, and there are no guarantees on how low the rate will be.
What’s at Stake When Selecting an Out-of-Network Dentist?
When you choose an out-of-network dentist, you’ll be at risk of losing some important benefits in-network patients enjoy, including:
Loss of Discount
While in-network patients benefit from a lower rate on treatments with their dentist, out-of-network customers do not. This means that you could be paying more for the same exact procedure that another patient gets, simply because your dental insurance company has not negotiated a lower rate with them. Thus, any portion of the claim your provider does not cover will result in a higher out-of-pocket cost for you.
Quality Assurance
When your dental insurance provider agrees to be in-network with a dentist, they do their best to vet them in advance so you can rest assured you’re choosing someone who meets excellent technical and ethical standards. When you decide to use an out-of-network dentist, however, this vetting process won’t be done, so you’re taking your chances working with someone who may not be able to offer the same level of care as you deserve.
More Homework
When you pick an out-of-network dentist, you are essentially giving yourself more homework. It is up to you to research them, their team, and their treatments. You also are responsible for doing things like filing claims, paying out-of-pocket expenses, and possibly even requesting records or other information.
Remember, while many dentists are happy to welcome your out-of-network coverage, choosing a dentist that is in-network with your dental insurance is an excellent way to ensure that you are getting the best care at the most affordable price possible. To learn more about the amazing benefits of your dental insurance, contact your dentist’s office today and start making the most of money, and your smile!
About Our Practice
At Amaze Dental, Dr. Le and Dr. Najjar are proud to be in-network with a variety of incredible dental insurance companies. If you’d like to make the most of your money while protecting your smile, contact our team today to learn more about which plans we accept, and all the amazing benefits of using your in-network coverage here. To get started, visit our website or call us today at 972-230-1100.