What are the advantages of obtaining my care from in-network providers?
There are several advantages when you go in-network. Generally You may not need to pay a deductible, or your deductible may be lower than it would be for out-of-network expenses. You don’t need to submit claim forms and wait to be reimbursed by your plan. Your in-network provider obtains any needed preauthorization for you. You generally receive a higher level of benefits because participating providers (doctors, hospitals and other health care facilities) have agreed to provide their services at lower fees. Some plans provide preventive care services in-network that are not covered out-of-network. Some plans limit covered services out-of-network, but offer these services without a limit on the number of visits when the care is provided in-network.
