If the plan pays out-of-network benefits, a portion of your dentist’s eligible services will still be covered. The amount covered will depend on the service and may vary among plans. Generally, you will pay less out-of-pocket when you use an in-network dentist.
Most plans pay out-of-network benefits. You cannot change plans or cancel your enrollment because of your provider's participation. You can review your plan’s brochure at www.opm.gov/healthcare-insurance/dental-vision/plan-information/#url=Dental-Overview.
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