Hi Guest! It sounds like the insurer is likely referencing a gap exception request, or out of network exception request. This is a request to the medical insurer to allow the patient to utilize their in-network benefits at your practice as an out of network provider (because typically HMO plan only have in-network benefits available). Typically medical insurers will approve these requests if there is not already another practice within a “reasonable distance” who is in-network who can provide the service. The reasonable distance is typically set between about 30-40 miles – but could be higher or lower depending on your region and the insurer. If you have the DentalWriter software, there is a sample gap exception request you can use the QuickLetter templates in any patient chart. Hope this helps!