Will dental insurance cover services only for in-network providers?

A PPO dental plan offers a network of dental providers. If you visit an in-network provider, your out-of-pocket costs are typically lower.[1] That’s because dentists within the network have agreed to a negotiated dollar amount for each covered charge with your insurance company.

Out-of-network dentists may charge fees either higher or lower than the insurance plan allows; excess fees are usually your responsibility to pay.[2]

Typically under an HMO dental plan, you must receive covered services from a contracted network provider for the plan to pay benefits.[3]