Why is it that on the low monthly insurance plans that I can afford, they do not let you go outside of their network of providers. The dental insurance plan that let you do that are so costly I can not afford them. I am upset about this because my dentist I have been going to has always helped me.
Reply: The lower cost plans are typically HMO’s dental insurance plans that are provider only plans. Which means you have to choose a dentist from their network for the plan to be valid. The company that provides an HMO has negotiated cost of all the services provided under the plan with the plan dentist. This help control cost and there by helps to keep the cost the plan lower and more affordable.
However they are not helpful if you wanting to stay with a dentist that is not a provider of any HMO plans. Which then you would want to look at PPO plans that do let you choose from their network of dental providers or go out of network (sometimes a reduce benefits, higher cost or both) These types of dental insurance plan tend to cost more a month then HMO’s