When it comes to dental care, many people rely on their insurance network to find a dentist. However, there are advantages to seeking out-of-network dentists that can improve the quality, affordability, and time spent with your provider. 

In this article, we’ll explore the top three reasons why you should consider seeing an out-of-network dentist.

1. Quality in both materials and time

Going to a dentist who is not part of your insurance network has a number of benefits, but one of the most significant of these is that they are not subject to the same price-cutting pressures as other dentists. Because of this, they are able to set their own prices and make more money, which allows them to make investments in better supplies for their clients.

This indicates that the likelihood of receiving care of a higher quality increases when you see a dentist who is not part of your insurance network. While performing operations such as tooth fillings, crowns, and implants, you can anticipate that your physician will make use of the most advanced materials and technology available.

In addition, given that these dentists are not limited by the needs of insurance companies for rapid visits and rapid turnover times, they are able to spend more time with each individual patient. 

With this, patients can receive a higher level of individualized care and attention that a dentist who participates in their insurance network might be able to offer.

2. Affordable

It may go against common sense, but it’s often the case that going to a dentist who isn’t part of your insurance network might save you money on your dental care. Because these dentists do not have contracts with insurance companies prescribing how much they may charge for services, they are free to determine their own prices based on how much market competition there is for their services.

This indicates that dentists who are not part of a network have a tendency to offer more competitive prices than in-network providers, who are required to comply with stringent pricing guidelines established by insurers. They may also provide payment plans and other forms of financial aid that aren’t offered by conventional dentistry networks.

If you choose a dentist who is not part of your insurance network, you may end up paying less for the same level of high-quality service.

3. Time

Out-of-network dentists have the luxury of spending more time with each patient because they are not required by insurance companies to see a certain number of patients in a given day. This is because insurance companies do not put pressure on out-of-network dentists to see as many patients as they can in a given day.

They are able to conduct comprehensive examinations and carry out the necessary steps required for accurate diagnosis and the planning of therapy thanks to the additional time they have been given. 

In addition to this, patients are given enough opportunity to ask concerns regarding their oral health and to receive full explanations regarding the treatments or procedures that are advised to them.

Due to the volume requirements of insurers, in-network clinicians typically have less time to spend with each patient. This results in shorter appointments, during which there is perhaps less time for patients to ask questions or explore the various treatment alternatives.

Patients can have peace of mind knowing they are receiving comprehensive care from a provider who puts an emphasis on individualized attention rather than volume-driven policies if they select an out-of-network dentist who has more time available during appointments than their insurance company allows for.

Ways To Save Money When Selecting An Out-of-network Dentist

Choosing an out-of-network dentist can provide many benefits, such as higher quality care and more personalized attention. However, it’s important to note that out-of-network providers may charge higher fees than in-network dentists. 

If you’re interested in seeing an out-of-network dentist but want to save money, here are a few tips:

Research Prices: Before choosing an out-of-network dentist, research the average prices for different procedures in your area. This will give you a baseline for what to expect and help you identify any dentists who are charging excessively high fees.

Negotiate Fees: Don’t be afraid to negotiate with your dentist on their fees. Many dentists are willing to work with patients on pricing, especially if they don’t have insurance companies dictating their rates.

Consider Payment Plans: Some out-of-network dentists may offer payment plans or financing options that can make their services more affordable over time.

Look for Discounts: Check if the dentist offers any discounts for paying upfront or for referring new patients.

Use Dental Savings Plans: Dental savings plans are membership-based programs that offer discounts on dental services from participating providers. These can be a great way to save money on out-of-network dental care.

By following these tips, you can save money while still receiving the benefits of choosing an out-of-network dentist. It’s important to remember that quality care is worth investing in – so don’t sacrifice good oral health just to save a few dollars.

Payment Plans From Out-of-Network Dentists

Yes, payment plans can be a great option to make out-of-network dental care more affordable. Many independent dentists understand that not everyone has the means to pay for their services upfront and offer payment plans or financing options.

When researching out-of-network providers, it’s a good idea to ask if they offer any payment plans or financing options. Some may have in-house financing programs, while others may work with third-party lenders to provide patients with flexible payment options.

With a payment plan, you can spread the cost of your dental care over several months or even years, making it easier to budget and manage your expenses. Just be sure to read the terms and conditions carefully before signing up for any financing program – some may come with high interest rates or other fees that could end up costing you more in the long run.

Overall, payment plans are just one of many ways to save money on out-of-network dental care. By doing your research and exploring all your options, you can find an independent dentist who provides high-quality care at a price you can afford.


Overall, there are several advantages of choosing an out-of-network dentist over one within your insurance network. Whether you prioritize high-quality materials and personalized attention or affordability and flexibility in payment options – seeking an independent provider could be well worth your while.

Note: The information contained herein is not intended nor implied as a substitute for professional medical advice or any information contained on or in any product label or packaging. Always seek professional medical advice before starting any new treatment plan or if you have any questions regarding a medical condition or treatment plan.

At River District Smiles Dentistry, we understand how important it is to find a quality dentist that fits your needs and budget. We offer a variety of services and payment plans, so you can find the perfect solution for you and your family. 

Contact us today to learn more about our out-of-network dental care options! Thank you for reading.