The amount your dental insurance pays is generally higher when in-network. An in-network dentist contracts with a specific insurance company to offer an agreed-upon or discounted rate for the services provided. When you have dental work done with an in-network provider, the discount is applied, your insurance plan pays a portion, and you are responsible for the remainder, which is your out-of-pocket cost.
What "Out-of-Network" Means
You are free to choose an out-of-network dentist but you won’t receive a discounted rate as you do in-network. Many patients incorrectly believe that this means you don’t receive any dental benefits. We understand the confusion! But your insurance will still cover a portion of the procedure, just without the discount, meaning that your out-of-pocket cost will be higher.
Call Us with Your Dental Insurance Questions
At PNW Dental, we treat out-of-network patients all the time. They come to us because they appreciate the value of the quality dentistry we provide and are willing to pay a little more to ensure that they receive the highest standard of care.
If you are out-of-network, our insurance coordinator Carrie will still file your claims on your behalf exactly as we do for our in-network patients. She works extensively with insurance companies and would be more than happy to answer any questions you have.