How does the dental PPO plan work when I go out-of-network?

Generally, you may use any covered dentist you choose. However, your cost will generally be higher and you have certain added responsibilities. For example: •Each year, you must pay part of your eligible out-of-network expenses before the plan begins to pay benefits. This amount is called the deductible. •After you satisfy the deductible, the plan will reimburse you for a percentage of your eligible expenses and you will pay the balance. The percentage you pay is called your coinsurance percentage, and may be higher than for in-network services. •You must complete claim forms and file claims with the dental plan to receive payment of benefits. •The plan will not cover any charges above the allowable amount.