[784caroline]

Many dentists in the surrounding area require payment up front but they will file a dental claim with your insurance company.

I looked at GEHA very closely and the problem is I use an out of network dentist for my primary care (cleanings fillings etc). For out of network for basic services (cleanings etc) GEHA's allowed rate was much lower than Aenta (also out of network) so I would end up paying $30-40 per cleaning X 2people with GEHA vs aetna. Geha has much better payments for class C services that includes Crowns, root canals and peridontal work. However this is offset some for GEHA has a $50 deductible/pn whereas Aetna does not.