u/Character-836

We are considering Physicians Mutual for dental coverage, specifically for dentures...but the dentists we would use are both out of network.

Just got off the phone with PM and they can't tell us how much is covered for out of network dentists, as they 'pay out the max allowable for the area' AFTER we file a claim. They say this is for "normal and customary" (charges? Or this is a normal & customary practice?)

Without knowing how much they'd cover until AFTER the claim is submitted, I'm not feeling very good about this.

Anything you can share is appreciated!

(We know about the 12 mo waiting period. I've seen Redditors say that PM has a $1000 max/year for implants, although PM told us they have "no annual maximum".)