DOC Access Act of 2025

Key Points

• Lets in-network dentists and eye doctors charge their usual price (or less) for services a plan does not actually cover, instead of being stuck with a plan-set rate.
• Says a service only counts as “covered” if the plan must pay a meaningful amount for it, not a token payment.
• Creates a special rule for dental cleanings: even if you hit your yearly maximum, the dentist can only charge the in-network contracted fee for a cleaning.
• Limits automatic renewals of “limited” dental or vision plan contracts: extensions beyond 2 years need the provider’s approval each time, though renewals can keep happening with approval.
• Bars dental and eye plans from forcing providers to use certain labs or suppliers for materials and services; states can enforce these rules, and state law controls if there’s a conflict.