With a dental insurance policy, you always have the option to see the dentist of your choice. Dentists in our network offer dental services at negotiated rates. That means your out-of-pocket costs will be lower with an in-network dentist. Dentists outside of our network do not provide services at negotiated rates. That means your out-of-pocket costs may be greater. Find an in-network dentist for our dental insurance. With the dental savings plan, you may go to the dental provider of your choice. However, you only receive a discount by going to a dentist in the network of preferred providers. Find a participating dentist for the dental savings plan.