We recommend using medical providers that are in-network with your plan, as there are typically higher out-of-pocket costs with out-of-network care. However, we understand that medical emergencies can happen, and your health comes first. 

If you end up using medical services from out-of-network providers, keep in mind that they can charge whatever they want for a service, whereas in-network providers can only charge the pre-negotiated rate that they’ve set with your insurance carrier. Thus, for out-of-network services, your insurance carrier will cover the amount specified in your plan’s summary, and you will be “balance billed” for the difference between this set amount and the provider’s charge. You will be responsible for paying whatever this difference is.