In Network vs. Out of Network
This video clarifies the concept of insurance networks and emphasizes the importance of choosing in-network providers for healthcare services.
The network is the list of healthcare providers that your insurance plan covers.
Utilizing in-network services results in cost discounts and contributions towards your deductible and out-of-pocket maximum.
Going out-of-network for care incurs higher expenses without the discounts, and a much higher deductible applies.
There's no universally "right" choice when it comes to choosing a network; it depends on individual needs and preferences.
Always verify whether a provider is in-network or out-of-network by consulting your insurance company's phone number or online list before receiving care.
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Networks
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