Many patients pay for dental insurance but don’t fully understand how it works. One of the biggest sources of confusion is the difference between in-network and out-of-network coverage. While both give you access to dental care, your choice can affect how much you pay and how much your insurance covers. With most plans set to renew at the end of the year, now is the time to use your benefits wisely before they disappear.
In-Network: Maximizing Your Savings
Visiting an in-network dentist means they have a contract with your insurance provider. This agreement locks in lower, pre-negotiated rates for services like exams, cleanings, and restorative treatments. Choosing an in-network provider often means:
- Reduced out-of-pocket costs
- No surprise bills after treatment
- Simplified billing, since the office files claims directly
In short, in-network care helps you get the most value from your dental plan.
Out-of-Network: More Flexibility, Higher Costs
You are free to visit an out-of-network dentist, but it usually comes with higher expenses. Some plans still offer partial reimbursement, but patients may need to pay more upfront and handle insurance paperwork themselves. For some, this flexibility is worth it—especially if they have a trusted provider they prefer. For others, the financial trade-off makes in-network the smarter choice.
Why It Matters Now: Use It or Lose It
Most dental insurance plans operate on a yearly cycle. At the end of December, any unused benefits typically expire, and they won’t roll over into the new year. That means if you delay care—whether it’s a routine cleaning or a filling—you may be leaving valuable benefits unused. Taking advantage of in-network coverage before your plan resets allows you to save money and maintain your oral health at the same time.
Making the Right Choice
Both in-network and out-of-network options have their place, but the key is knowing what works best for your budget and your oral health needs. If you’re unsure which category your dentist falls into, your provider or insurance company can help clarify.
Choosing between in-network and out-of-network care can make a big difference in both cost and convenience. And with the year coming to an end, it’s the perfect time to use your remaining benefits before they’re gone.
About the Practice
Goodlettsville Smiles is dedicated to helping patients achieve healthy, confident smiles while making dental care as affordable as possible. Dr. McClain and our knowledgeable team helps patients navigate insurance coverage, maximize in-network savings, and plan treatments around their benefits. With compassionate care and a focus on prevention, we ensure patients get the most value from their dental insurance year after year.
Call us at (615) 855-0087 or request an appointment online.