A dental plan offering a network of dentists at pre-negotiated rates allows individuals to seek care from any licensed dentist. However, choosing an in-network provider typically results in lower out-of-pocket expenses. For example, a routine cleaning at an in-network office might have a copayment of $25, whereas the same cleaning at an out-of-network office may be subject to a deductible and coinsurance, potentially leading to a higher cost.
This type of dental coverage emphasizes freedom of choice in selecting a dentist, providing flexibility that can be particularly beneficial for individuals with established relationships with specific dental professionals. Its presence in the insurance market has expanded options for consumers seeking dental care, contributing to greater access to services and potentially improving overall oral health outcomes.
