Its nice to have good insurance finally. My recent visit to the dentist revealed I need to get two root canals. I have a great dentist and the last guy he referred me to did an excellent job. In fact they are both good friends and located in the same business complex. Anyway hes not in my MetLife network, but I was referred to another guy who is, by my dentist. He has decent Yelp reviews, but IDK I feel a little anxious about going to him, not sure why? I guess you get comfortable with someone drilling on your mouth youre not willing to try someone new, well at least Im not. My insurance will cover 85% of all in network work and they consider root canals basic procedures. Although a crown isnt and will cover 60%. If I go out of network they pay 80%, but now heres the catch
of what is considered a reasonable fees for a root canal. So lets say a root canal is around $1000, so I would be responsible for 15% plus the difference in what the out of network dentist charges, say $1400 plus a deductible of $50 this all considered non-prefer not in network. So my costs would be out of pocket $600, verses $150 or whatever the 15% of the job will be? I know money wise it makes sense to go in network, just having a hard time in my head to do it.