If you want to start 2025 with dentistry, you’ll need to make some decisions first. Key among these is whether an in-network or out-of-network dentist suits you best. By settling this point beforehand, you’ll ensure your smile gets the most cost-effective care. Thankfully, your Columbus dental practice can help you resolve this pressing question. Read on to learn the difference between in-network vs. out-of-network coverage, including which option you should choose.
In-Network vs. Out-of-Network Dental Coverage
When it comes to dental care, dentists can either be “in-network” or “out-of-network.” These two categories describe how a dentist relates to your dental insurance. To learn more, consider them in detail below:
In-Network Coverage
If a dentist is “in-network,” that means they’re contracted with your dental insurance company. This contract requires that they provide you with services at pre-determined rates.
In-network dentists generally charge you less than what you’d otherwise pay out-of-pocket. Since they let your insurance plan cover part of your treatment, they offer significant savings and represent a higher standard through credentialing. All in all, they allow most plans to cover 100% of preventive care, 80% of minor restorative care, and 50% of major restorative care.
Out-of-Network Coverage
As you might expect, “out-of-network” dentists don’t have contracts with your insurance company. They aren’t obligated to provide you with services at a pre-established rate or cost.
Overall, out-of-network dentists require that you pay more upfront for their care. That’s because there isn’t a dental insurance company footing (at least) part of your treatment bill. However, going out-of-network gives patients more options when it comes to choosing nearby dentists. Out-of-network dental teams are also willing to file claims so you get the maximum reimbursement.
Should You Choose In-Network or Out-of-Network?
Between an in-network or out-of-network dentist, the “best” choice is based on your needs. Whether you should see one or the other will depend on your situation.
In fact, your priorities and finances should play a big role in your decision. You’d do well to pick an in-network dentist when it’s more crucial to get low-cost care. Meanwhile, you may want to choose an out-of-network dentist if you have extra funds and want more flexibility. The latter option would have you pay more but let you see a wider range of dentists.
As you select your ideal dentist, don’t forget to weigh in-network vs. out-of-network coverage. Doing so makes treatment smoother for you in the long run!
About the Practice
Artistry Smile Center is based in Columbus, OH. Led by Drs. Angela Courtney and Christy Cox, our practice strives to make each patient’s smile a true work of art! That means we tailor our preventive, cosmetic, and restorative treatments to your mouth and its unique needs. Through this approach, our team is able to make your teeth and gums healthier and prettier than ever. For more details or to book a visit, please contact us on our website or by phone at (614)-451-7393.