Understanding networks

When shopping for a health plan, it’s important to take a good look at its network of providers. These are the doctors, hospitals, labs, and other health care providers who contract with the health insurance company to deliver health care services to members.

Network (or in-network) providers usually charge discounted rates for their services, and plan members will save the most money when they use network providers.

Keep these points in mind when shopping for a plan:

• Some health plans only cover services received from in-network providers.
• Some health plans include coverage (at a higher cost) for services received from out-of-network providers, and some may not cover their services at all.
• Some health plans require referrals to see in- or out-of-network providers.

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