Are there differences in cost between in-network and out-of-network benefits?
Yes. In-network care will generally cost less and you won’t need to file for reimbursement. If you decide to use your out-of-network benefits, you will pay a larger portion of the costs, take responsibility for filing for reimbursement, and be responsible for ensuring that your doctor has obtained pre-authorization for certain medical services and procedures if the benefit is covered.
