Health insurance companies contract with provider groups, doctors, care specialists, hospitals, and other health care providers in a network to receive a special rate for their services. They are then considered “in-network.”
For example, in the table below you can see both scenarios for a visit to the same provider with the same bill from the doctor. But because no discount is applied and the co-insurance is higher the plan ends up paying less and you end up paying more.
Amount to Pay