What does in-network mean?

Insurance carriers have contracts with some healthcare providers to provide healthcare services. These providers are called in-network providers. In-network providers are sometimes called preferred or participating providers.

Providers include:

• Healthcare professionals: Examples include doctors, psychologists, and physical therapists

• Healthcare facilities: Examples include hospitals, urgent care clinics, pharmacies, and labs

Why should I visit an in-network provider?

Your coverage depends on whether the healthcare provider you visit is in-network. If you visit a provider outside your carrier's network, you’ll either pay more or pay the full cost. 

Your carrier:

• Negotiates lower rates with in-network providers

• Shares more of the cost for services from in-network providers

How can I learn more about my in-network coverage?

View your full coverage information by downloading your Full Coverage Booklet. This document has all the information you need on your in-network coverage.

Tip: Read about how to find an in-network provider.