In-Network vs Out-of-Network Dentists: What Logan Residents Need to Know Before Choosing Care

One of the biggest decisions you’ll make when it comes to your oral care is which dentist you’re going to see. If you live in Logan, you want to take the time to understand the difference between in-network and out-of-network dentists when you are in the middle of narrowing down your options and making a final decision. 

Here’s everything you need to know before booking your next dental appointment, especially if you want to save some money in the long run. 

What Does In-Network Mean?

In-network dentists have a contract with your dental insurance provider. This agreement means that the dentist will accept a negotiated rate for any dental procedures they perform. This can mean lower out-of-pocket costs for you. 

So, if you have dental insurance through a plan offered in Logan or Cache Valley, it might be in your best interest to find an in-network dentist so you can get the most out of your benefits and cut down on some of those expenses.

What Does Out-of-Network Mean?

It is the opposite of in-network, so these dentists don’t have any agreement or contract with the insurance provider. You can still visit these dental offices, but your insurance won’t likely cover all of the costs (if any). 

You might end up being responsible for paying a big portion of the bill. So, with that said, there are still some patients who choose out-of-network providers if they need specialist care or they want a particular dentist that happens to be outside of their network. 

Does It Really Matter in the Long Run?

When it comes to your wallet, yes. It does matter. In-network dentists usually have lower co-pays and deductibles, more predictable costs, and easier claims processing. 

On the other hand, out-of-network care might lead you into higher fees, unexpected bills, more paperwork to file claims yourself, and potential balance billing. This is where the dentist bills you for the amount the insurance doesn’t cover. 

Some Helpful Tips for Logan Residents

When looking for dental care, confirm your dental insurance network online or by calling your provider directly. You can also ask the dental office. Call and confirm that they are in-network before you make the appointment.

Some dental insurance plans also cover emergency out-of-network care better than routine services, which is also something you might want to look into. And finally, sometimes paying a little more for an out-of-network dentist is worth it if you want a better location or more specialized care.

Either way, knowing the difference between the two can help you make smarter dental care choices that won’t completely empty your wallet.