Frequently Asked Questions

What are in-network and out-of-network healthcare providers?

If you are in a preferred provider organization (PPO) and use doctors within the preferred network, you're using a doctor that has agreed to provide services to you and bill the insurance company at pre-negotiated prices. You will likely need to make a small co-payment every time you visit a doctor within the network, but the PPO plan will often pick up the rest of the doctor's bill on your behalf. These PPO-approved healthcare providers are called "in-network." Providers who are not contracted with your insurance plan are "out-of-network," and if you decide to use them, it's likely that you will be required to pay a substantial portion of the bills you receive.

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