In-network refers to healthcare providers on your insurance plan’s approved list, while out-of-network means providers not on that list. Staying in-network gives you cost discounts and contributes to your deductible and out-of-pocket maximum, while going out-of-network results in higher costs and a separate, much higher deductible. To avoid wasteful spending and unexpected expenses, always check if a provider is in or out of network using your insurance company’s online search tool.