Using In-Network vs. Out-of-Network Medical Providers
We strongly recommend choosing in-network providers for your medical care whenever possible, as they typically result in lower out-of-pocket costs. In-network providers have agreed to pre-negotiated rates with your insurance carrier, helping you avoid unexpected charges.
However, we understand that emergencies happen, and your health always comes first.
If you receive care from an out-of-network provider, please be aware:
Out-of-network providers can set their own prices, which may be significantly higher than in-network rates.
Your insurance carrier will only cover the allowed amount as outlined in your plan.
You will be responsible for paying the balance, or the difference between what the provider charges and what your plan covers—this is known as balance billing.
To avoid surprise medical bills, it's best to confirm a provider's network status before receiving care whenever possible.