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In-Network vs. Out-of-Network Providers
In-Network Providers:
Have a contract with your health insurance company to provide you with care and services at a discounted rate.
Out-of-Network Providers:
Do not have a contract with your health insurance company to provide you with care or services at a discounted rate.
This is important because going to in-network providers may save you money.Steps to Finding In-Network Health Care ProvidersContact Your Health Care Provider
If you are unsure if a health care provider or medical facility is in your network, you can always contact them directly!
Ask them to confirm that all the health care providers you will see are part of your plan’s network.
Check the hospital, health system, or facility’s website to see if they list the insurance plans they take.
Check Your Plan Information
Many health insurance companies have an online tool to find in-network health care providers near you. Your health insurance company’s website can usually be found on your health insurance ID card.
Look for the tool that is usually called “find a doctor,” or “find a provider” on the website and fill in the required information. The website will show you a list of in-network health care providers near you.
Some health insurance companies may also send you printed resources or offer an app you can download with this information.
It is still helpful to contact the health care provider and confirm that they are part of your plan’s network.
Ask Your Health Insurance Company
Check the back of your health insurance ID card or go to your health insurance company’s website to find their customer service phone number.
Tell them you want to make sure you are using health care providers who are in-network and if they can help you with that or provide more information. They should be able to verify which health care providers are in-network for you.
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