What is a Network Dentist?

A network dentist, also known as an in-network dentist, is a dental care provider who has contracted with your dental insurance company to offer services at pre-negotiated rates. These dentists agree to charge you less than their usual fees, and your insurance plan typically covers a higher percentage of the cost when you visit a network dentist.

Obtaining your dental care from a network provider will give you the full insurance benefits and the most value for your money. You typically save money when using a network dentist compared to an out-of-network dentist.

Examples:

• If your dentist is in-network, you might pay only a portion of the cost for a filling, while the insurance company covers the rest based on the agreed rates. Your dentist will not charge you for the balance between the agreed rates and the dentist’s regular rates.
• If you visit an out-of-network dentist, your out-of-pocket costs will most likely be higher because the insurance benefit is lower, and you will be responsible for the balance of the costs.

FAQs

• Why should I use a network dentist? Using a network dentist can significantly reduce your out-of-pocket expenses and maximize your insurance benefits.
• How can I find a network dentist? Most insurance companies provide a list of network dentists on their websites or through customer service. Delta Dental’s Find-A-Dentist tool makes finding a network dentist in your area quick and easy. 

When you call the dental office to make an appointment, be sure to ask: “Are you a network (or in-network) provider of [name of my] dental insurance company?”

Never ask your dentist (or doctor) this question. 

• What happens if I use an out-of-network dentist? Your out-of-pocket expenses are usually higher compared to in-network dentists.

Example of In-Network Dental Service and Claim

This chart shows a hypothetical claim of a preventive service with an in-network dentist:

• The in-network dentist has agreed to discount his regular fee by $63.07.
• The dental insurance pays the balance of $56.93.
• You, as a member, pay nothing.

The Delta Dental Network of Dental Providers

Delta Dental of Arkansas is part of the Delta Dental Plans Association, a nationwide system of independently operated dental benefits organizations. Our members have access to the nation’s largest network of dental providers, with more than 148,000 dentists and specialists at 315,000 locations in all 50 states.

Delta Dental of Arkansas Offers Dental and Vision Insurance for Individuals and Groups

Are you interested in our dental coverage plans so you don’t have to pay the full dentist bill yourself? Check out our insurance options for individuals and families, and small, mid-size and large groups.

And while you’re browsing, take a look at our vision insurance, too.

More Dental Insurance Terms Explained

1. What is a premium?
2. What is a waiting period?
3. What is a network dentist?
4. What is a benefit period?
5. What are preventive/diagnostic, basic and major dental procedures?
6. What is a deductible?
7. What is a copay?
8. What is co-insurance?
9. What is an annual maximum?
10. What is a claim?
11. What is an explanation of benefits (EOB)?
12. What is a pre-determination of benefits?
13. What are out-of-pocket expenses?

Back to Dental Insurance Terms Explained: A Quick Guide

Are there additional dental insurance terms you’d like us to add to this series?

Email your requests to marketing@deltadentalar.com.