Navigating the world of health insurance can be confusing at times. You’ll encounter various terms, including in-network and out-of-network providers. Health insurance companies encourage you to use an in-network provider, but you can also use providers not in the network, so what’s the difference?
In Network Care
Health insurance companies often have a contract with specific providers. The providers they have a contract with are called in-network providers. These providers typically have fewer out-of-pocket costs. Patients must pay their deductible, but the insurance covers most or all other medical expenses. Many insurance companies like InsPeak in Arlington, TX, have a comprehensive list of in-network providers to help you find your needs.
Out Of Network Care
Out-of-network providers are those without a contract with the health insurance company. Patients can still visit these providers but often pay more out-of-pocket expenses. For example, the provider may charge the entire bill or refuse to provide care for the deductible. Many out-of-network providers consider patients’ cash pay, which means they must pay the complete medical bill in cash.
Choosing Coverage
Always consider the list of providers available when choosing healthcare coverage, especially if you prefer to stick with the providers you already have. Companies like InsPeak in Arlington, TX, can help you determine if specialists or other providers are in-network before you get insurance to ensure high medical bills don’t blindside you.
Here at InsPeak, our customer agents can help you discover in-network providers to ensure you don’t get stuck paying the full cost of medical care. Contact us today to learn more about our health insurance options and the in-network providers available.
