Understanding Health Insurance: Provider Networks

this is a list of doctors in hospitals that are connected to your plan insurance companies negotiate discounts with these providers stay in-network and the discounts get passed to you go out-of-network and you could end up paying full price in some plans like HMOs or EPO s your insurance would pay nothing if you go out of network in other plans like PPOs your insurance will cover you no matter where you go but you'll pay a lot more if you go out of network sound

easy enough well sometimes staying in-network can be tricky in a hospital it's possible that your surgeon could be in network while your anesthesiologist is not if this happens to you don't be afraid to negotiate with your provider or file an appeal with your insurer you