If my coverage percentages are the same for in-network and out-of-network, what is the benefit of seeing an in-network provider?

*Sometimes, there will be a contrast between in-network and out-of-network coverage. If you visit an out-of-network provider, you may be balance billed for the difference between Beam's contribution and your dentist's fees. 

An example of this would be that we have contracted fees between us and in-network providers. So If a cleaning at an in-network provider is $100, we know that and will cover 100% of the treatment (if your preventive coinsurance is 100%), However, if you go out-of-network and the dentist charges $150, we may only cover $100. In which case, we will cover 100% of that $100 and you would pay the remaining $50. 

If you'd like to get a better sense of the cost before treatment, you can ask your dentist for a pre-treatment estimate. They can submit it to us like a claim, and we'll process the estimate in 3-4 weeks. 

In addition, if you don’t see your dentist on our ‘Find a Dentist’ page, they can contact our network partner, Dentemax, to learn how to become in-network with us!

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