What does in-network and out-of-network mean?
An in-network provider is one contracted with BCBS preferred Provider Option plan to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with BCBS or the BCBS Preferred Provider Option plan. Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider. For example, BCBS might pay 100% of the contract rate minus your co-payment amount (of your doctor’s office visit if you see an in-network provider verses if you see an out-of-network provider, BCBS might pay only 80%).
