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Originally Posted by Sparty6971
I called my existing dentist and they are aware of this coming change and told me they were able to accept many of the plans offered. I plan to take the list into their office just prior to open sign-up and discuss in person. If you like the dentist office you currently use, no need to change if they will take one of the many offered.
BTW: Same for eye clinic insurance which we did not have before with Medicare or TricareForLife. Find a good office, take the plan list in and have them tell you which ones they perfer. Then you can compare that with the one you want from a cost basis.
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There is a big difference between accepting the plan and being in the network. That difference will be reflected in your co-pay. For example, if you selected the Delta Dental plan, they will pay 100% of your basic services to a network dentist but only 90% to an out of network dentist. The Aetna plan makes no distinction between network and out of network. BlueDental pays just like Delta as does MetLife. Humana won't pay a cent for out of network. United Concordia has the retiree paying 20% co-pay for basic services by out of network dentist.
The problem in this area is the network dentists have the worst reviews.