Dental Insurance - What Is The Difference Between An In-Network And An Out-Of-Network Insurance Plan Dentist

An in-network insurance plan dentist is within the approved network of dentists for a particular dental plan. Out-of-network dentists are not on the list. If you visit a dentist within the network, the amount you will be responsible for paying may be less than if you go to an out-of-network dentist. In many cases, the insurance company will not pay anything for services your receive from outside their network; however, there are exception to this.

As a general rule, Dental PPOs, POSs, and DHMOs have provider networks. Indemnity plans typically do not have networks; you go to whatever dentist you want.