What is closed list dental insurance?

Closed list dental insurance refers to a type of dental plan where policyholders are required to use a specific network of dentists and dental care providers. Patients typically receive full benefits when they visit these approved providers, but may face higher out-of-pocket costs or no coverage if they choose to see dentists outside the network. This model helps insurance companies manage costs and negotiate lower fees with participating providers, ensuring predictable pricing for covered services. However, it can limit patient choice in selecting dental care providers.