“In-network” and “out-of-network” are common terms in the insurance world. “In-network” means a dentist is on a pre-approved list of providers in your plan. “Out-of-network” means a dentist is not on that pre-approved list.
Typically, you will receive greater benefits by using an in-network dentist. Make sure you understand whether or not your dental insurance plan will cover costs associated with visits to an out-of-network dentist. Some plans do, but others won’t, or they will require you to pay up-front and then the insurance company will reimburse you.
Again, if you aren’t sure, speak to your employer and ask if your family dentist is in-network or out-of-network and whether or not your future dental care will be covered.
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