IN-NETWORK VS. OUT-OF-NETWORK

An in-network provider is a doctor, hospital, or healthcare facility that has a contract with your insurance company to provide services at discounted rates. This means you'll typically pay lower costs for care.

An out-of-network provider does not have a contract with your insurance company, which usually results in higher costs for you. In some cases, your insurance may not cover out-of-network care at all, except in emergencies.