This means we have a contract with that doctor or other health care provider. We negotiate reduced rates with them to help you save money. Your out of pocket costs are lower when you stay in network.

There are other benefits to using doctors in network. They won’t bill you for the difference between their standard rates and the rate they’ve agreed to with us. All you have to pay is your coinsurance or copay, along with any deductible. And network doctors will handle any precertification your plan requires.

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