[Rebel Pirate]

Originally Posted by villagetinker

I have a question, does it matter if the dentist is in or our of network? The reason I ask, the dentist we use accepts NO insurance, they give me a bill, with an envelope addressed to the appropriate insurance company, and the insurance company sends me a check.
I go with a GOOD or GREAT dentist and deal with the insurance as necessary.
Currently, I dropped all coverage, as it is not worth it, if you still are lucky enough to have coverage from your employer, then, you may be out a few $$ until the insurance company reimburses you, IMHO go with the GOOD or GREAT dentist.

Generally, patients are responsible for a larger co-pay when they are treated by an out-of-network provider. Most - but not all - of the FEDVIP plans require a 10% larger copay for out-of-network providers.