While you can technically go to any pharmacy you want, your insurance may only cover costs (or provide the best discounts) at in-network pharmacies. These pharmacies offer benefits like lower costs, better coverage, streamlined claims processing, and easier access to specialty medications. In-network pharmacies often provide discounted rates, lower copays, and avoid extra paperwork. To make the most of your insurance, it’s smart to use in-network pharmacies. You can check which pharmacies are in-network by visiting your insurance provider’s website or calling them directly.