Maryland allows direct insurance payments to out-of-network dentists in 2027

Insurers and dental plans must allow patients to assign benefit payments to dentists and must pay out-of-network dentists directly, with limited exceptions. Patients can authorize payment to dentists. The direct-payment requirement covers dentists outside their insurer’s or dental plan’s preferred network. Direct payment may be refused if notice arrives after the patient was paid, the patient withdraws permission before the dentist is paid, or the patient paid the full bill at the visit. An insurer may also refuse direct payment if it already paid the patient because of an accidental administrative error. These requirements take effect January 1, 2027.

Out-of-network dentists seeking direct benefit payments must explain costs before treatment and submit a form documenting the patient’s permission. The duty applies when an out-of-network dentist asks an insured patient or dental plan member to authorize direct benefit payments. Dentists must disclose that they are outside the preferred network and may charge for uncovered services or the remaining bill for covered services. They must also provide an estimated cost, payment terms, and any interest charges. These requirements take effect January 1, 2027.