In-Network Vs. Out-Of-Network Dental Insurance
When looking for a dental care professional you trust, it is important to consider how dental insurance works. You may be able to avoid unexpected medical bills by knowing how your specific insurance plan works. Understanding the difference between in-network and out-of-network care can help you save on dental health care expenses.
Below we will discuss the differences between in-network and out-of-network dental insurance and why it is so important to differentiate the two.
In-Network Vs. Out-of-Network Dental Insurance: What’s the Difference?
Most health plans provide access to a network of doctors, facilities, and pharmacies. These doctors and facilities must meet specific credential requirements and agree to accept a set discounted rate for covered insurance under the health plan to be part of the network. These health care providers are considered in-network or dental PPO (Preferred Provider Organization).
If a health care provider or facility does not have a contract with your health plan, they are considered out-of-network and can charge you full price, which can be much higher than the in-network reduced cost.
Provider Networks
When choosing a plan, you will typically have access to a specific network of providers. Some insurances may have a more extensive network than others or may include different choices of providers in your surrounding area. It is vital to understand these differences when choosing a plan to meet your unique needs. Also, when you select a plan, make sure your insurance provider is part of the network associated with that plan.
At Weaverville Family Dentistry, we understand how dental insurance can be both confusing and stressful. For more information and to learn more about affordable dental care, feel free to contact our friendly and knowledgeable team today!