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Fun fact: having Out-of-Network Benefits doesn’t mean you can use any provider, the provider still has to be contracted with the insurer.
My work just changed insurance plans and we had a whole zoom meeting to cover it and go through everything. It was so fucking depressing and complicated that at the end I just wanted to clock out and go lie down and cry. Oh and just wait OP: your next thing is to figure out if your hospital/doctor is “in network”.
Everything here is a scam designed to fuck you, and it’s all legal because they make the laws.
and that sometimes plans don’t cover dental?
They generally don’t. That’s why you have dental insurance. Welcome to America, enjoy your stay!
its all a huge scam for your money.