Keep Costs Down, Stay In-Network

When you shop, you want the items you need at a fair price.  What about when you’re shopping for health care services?  You probably want access to quality doctors and other health care providers at an affordable cost, right?

The way to do that is to visit network providers­—hospitals, doctors and other health care providers that participate in your health plan’s network.  When you visit these providers, you’ll receive the same quality health care that you should expect from a provider — but at an even more affordable cost. 

By staying in the network, you can take full advantage of participating providers’ discounted rates and avoid surprise charges. These network providers have agreed to work with your health plan to keep your costs down. If you visit a doctor outside of your network, you may have to pay more for your care. In some cases, you may even have to pay the full cost. Before you go for care, make sure you go to a doctor or hospital in your health plan network.

Below is an example of how you can save money by staying in-network.

Sample illustration only, rates and benefits vary by plan.

It’s important to know that staying in-network and having your insurance accepted by a provider are not the same thing. A physician might accept multiple insurance companies, but that doesn’t mean they’re the appropriate choice for you or your wallet! The smartest thing to do is to call the number on the back of your insurance card and ask if that doctor is in-network or out-of-network.