Dental Insurance: Differences Between In-Network and Out-Of-Network Plans
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.
Can I buy dental insurance plan for less if I buy directly from the insurance company?
No. Insurance companies charge the same premium whether the dental insurance plan is purchased directly from the company, through a broker, or online.
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