Generally, you may use any dentist you choose. However, your cost will generally be higher and you have certain added responsibilities. For example:

• You must pay a deductible before the plan begins to pay benefits
• After you satisfy the deductible, the plan will reimburse you for a percentage of your eligible expenses and you will pay the balance. This coinsurance 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