What is the difference between in-network and out-of-network?

Our office is in-network with Delta Dental Premier, Cigna PPO, and Aetna PPO. We have signed a contract with these insurance companies so that any patients who come to see us with one of these plans, we will charge the insurance company a special rate, usually 10-20% off our normal office fees. With any other PPO plan we are considered out-of-network, which means we aren’t in a contract with the insurance company, but patients can still use their insurance here at our regular office fees. In many cases, patients have the same insurance maximums and percentages of coverage for both in and out-of-network. If you have any questions about your plan, we are happy to do a complimentary benefits check for you and let you know all about your coverage.