If you have a PPO (preferred provider organization) dental insurance plan, you have the option of choosing an in-network dentist or an out-of-network dentist. This gives you a lot of flexibility when it comes to finding the oral healthcare provider that’s right for you. However, when considering an out-of-network practice, it’s important to be aware of the risks involved. Here’s what you need to know before you commit to an appointment with a dentist who is outside of your insurance company’s network.
What is the Difference Between In-Network and Out-of-Network Dentists?
An in-network dentist has negotiated with your insurance company and has agreed to set specific rates for the services that they offer. In many cases, this means you won’t have to pay as much for your dental treatment. Additionally, insurance companies tend to offer better coverage for in-network providers.
Meanwhile, since out-of-network dentists have not formed any sort of agreement with your insurance company, they set their own rates. However, the ability to choose an out-of-network dental practice gives you more freedom when it comes to looking for an expert to perform a specific type of treatment.
What are the Risks of Visiting an Out-of-Network Dental Practice?
When you choose an out-of-network dentist, it’s important to keep the following points in mind:
- Since out-of-network dentists can determine their own rates, you may end up paying more for services that might have cost less at an in-network office.
- Going to a dentist who is not part of your insurance company’s network often means that the amount you need to pay out of your own pocket will be higher.
- In-network practices have been screened by your dental insurance company to make sure that their services meet certain standards of quality. No such screening has been performed for out-of-network dentists; any research will have to be done by you and you alone.
- If you have some healthcare providers that are in-network and some that are out-of-network, it can be difficult to make sure that they coordinate properly.
Should You Choose an In-Network or Out-of-Network Dentist?
There could be several reasons why you might want to go to an out-of-network dental practice. However, doing so means missing out on the benefits that come with visiting an in-network dentist. Ultimately, it’s up to you to make the decision that you feel is best for your specific situation.
Remember, dental insurance can be an invaluable tool for saving money on dentistry. As such, it’s critical to make sure that you know the ins and outs of your plan so that you can get the most out of it!
About the Author
Dr. Rodger Song has spent more than three decades putting smiles on the faces of his patients with high-quality care. His practice, Bridlewood Dental of Flower Mound, is in-network with many popular dental insurance plans and provides a wide range of dental services for adults and children alike. To schedule a consultation with Dr. Song, visit his website or call (972) 906-9797.