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In vs. Out of Network

What's a network?

When you need medical care, it’s important to choose a doctor or facility that is in your health plan’s “network.”

The network includes all the health care providers who work with your insurance company to care for health plan members like you. Your insurance company has agreed to pay those health care providers a certain amount of money for your visits – usually a discounted rate. Because of those discounts, you pay less when you see a health care provider in the network versus one who’s outside the network.

For out-of-network providers, your insurance may cover only a fraction of the cost of care – or none at all – depending on your plan.

So before you make your next appointment, check with your insurance company to make sure the doctor or facility is “in network.” When in doubt, call the number on your health plan ID card to get the most up-to-date information.

For More Information:

Learn more about Choosing a Doctor

Learn about Ways to Save