This sounds like a simple question that should have a simple answer.. but it is not.

Just because a dentist “takes your insurance” doesn’t mean he is “in network” with your insurance. Being “in network” with an insurance company means that the dental office will follow the insurance company’s fees, and the patient will have to pay less out of pocket. Being “out of network” with an insurance means that the dental office will accept the insurances payments, but the price will follow the offices fee schedule. The patient would have to pay more out of pocket.

If you are solely looking for a dentist based on price, then you would want someone that not just takes your insurance but is “in network” with them. The dental office is obligated to take a lower reimbursement for the dental care they provide when they are “in network” with an insurance company. After asking an office if they take your insurance, make sure to find out if they are “in” or “out” of network with that insurance, as well. In my dental office I am IN network with many dental insurances.

DISCLAIMER: I WANT TO MAKE THIS CLEAR. I am not saying choose your dentist based on who works with your insurance, whether being “in” or “out” of network. You should choose your dentist based on who YOU feel the most comfortable with, and who you trust the most. You want a dentist that helps you understand the treatments being received, and the reasons for the recommendations. If you value your health and trust your dentist, then you will get the best treatment possible, no matter if they “take your insurance” or “are in network” with your insurance.

It is important to stick to going to a dentist that has history of your X-Rays and health history, so they know best how to treat you. If you have any questions about this article, please me at