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In-Network or Out-of-Network Dentistry—Which is Better?

Man smiling while thinking about dental insurance

Choosing the best dentist for you may not be the easiest thing, but it helps to have the right knowledge before making a decision. For starters, you should understand the difference between choosing an in-network dentist versus a practice that’s out-of-network. Dental insurance can be downright confusing, which is why you can find an easy guide below to help you compare the two different types of dentists. Read on to see whether you should choose a dentist who is in or out of network!

What Are In-Network Dentists?

In-network dentists are also known as participating providers. They are contracted within your insurance company because they have decided to offer dental services at negotiated rates. Typically, this means by selecting an in-network dentist, you’ll be paying less for each of your dental services. Dental insurance will usually cover your preventive checkups and cleanings 100%. They may also cover 70% to 80% of minor restorations like fillings and around 50% of major restorations like dentures. Overall, your price will be less by choosing an in-network provider.

How Do Out-of-Network Dentists Work?

Many dentists choose to be out-of-network, which means they have not negotiated prices with insurance. While the cost may be slightly higher, the main benefit of going out-of-network is that you can choose whoever you’d like—you don’t have to stay within the network that your insurance provides. On the flip side, because out-of-network dentists do not negotiate rates, they can essentially charge whatever they want for each dental service.

So what exactly are the advantages of going out-of-network?

  • For more complex restorative or cosmetic treatments that won’t be covered by dental insurance anyway, it’s always best to choose a highly trained and experience dentist versus whoever your insurance recommends.
  • You give yourself peace of mind by choosing a dentist based on your needs rather than from a list given to you by your insurance.
  • You can still use your insurance to get some money reimbursed directly to your home.

Which Should You Choose?

No two cases are the same, which is why the best choice you can make is one that you feel confident in. However, when making this decision, keep your needs in mind. If you have a family, you’ll probably want to select an in-network dentist, so everyone’s important checkups and cleanings are covered. However, if you’re looking for a complete smile makeover, going out-of-network could be your best option. For those looking to save money, you simply can’t go wrong choosing an in-network dentist in Bullard. Plus, if you visit the dentist before the end of the year, you can use your benefits before they’re gone.

Ready to choose the best dentist for you? Just keep this information in mind to smile while saving money!

Meet the Dentist

Dr. Tad Morgan is an experienced dentist who offers a wide range of services, including tongue tie treatment, cosmetic dentistry, dental implants, and everything in between. He takes pride in offering quality dentistry that is also affordable. To schedule an appointment, he can be reached through his website or by phone at (903) 825-1112.