Understanding Dental Insurances 

What is the difference between In-Network & Out of Network Dentists? 

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What Does In-Network Mean?

• The dental office has a contract with your insurance company

• Fees are set by the insurance company

• Insurance may pay a higher percentage

• Your choices of doctors may be limited

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What Does Out-of-Network Mean?

• The dental office is not contracted with your insurance

• You can still use your insurance benefits

• Insurance still pays toward your care

• You may have more flexibility and choices

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Why Would a Patient Choose an Out-of-Network Dentist?

Being out-of-network does not mean you can’t use your insurance. Many patients choose out-of-network care because:

✔️ You can choose the doctor you trust
✔️ Appointments are not rushed
✔️ More treatment options are available
✔️ Materials and labs may be higher quality
✔️ Care is based on your health—not insurance limits

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Insurance companies often place restrictions on:

• How often certain treatments are allowed

• Which materials can be used

• How much time a doctor can spend with you

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Out-of-network offices are able to focus on what’s best for you, not what’s dictated by an insurance contract.

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Will My Insurance Still Pay?

Yes. Most insurance plans still pay a percentage of your care even when the office is out-of-network. You may pay a little more out of pocket, but many patients feel the quality, comfort, and personalized care are worth it.

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Our team is happy to:

• Check your benefits

• Estimate your insurance payment

• Explain your expected cost before treatment

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The Most Important Thing to Remember

Dental insurance is a benefit—not a treatment plan.
Your doctor’s job is to recommend what’s healthiest for you, not what insurance happens to cover.