An in-network provider is contracted with your health insurance company to provide services to its policyholders (i.e., you) at more affordable rates. In-network refers to doctors, hospitals, labs, etc. To get a list of providers in your network, contact your insurance company’s member services. Make sure you understand the differences in cost to you if you were to go to a provider not in-network, or out-of-network. Some insurance companies reimburse for out-of-network, but your out-of-pocket costs will be higher than in-network. Other insurance companies may not reimburse out-of-network costs at all.

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