Finding in-network care

Health insurance has a lot of critical parts; however, one of the most important for both users and providers is the networks. Health insurance networks are made up of medical care providers who are under contract by insurance providers to care for their customers. This means that when you sign up for an insurance plan, there is a list of doctors, specialists, etc., who are part of your insurance network. Insurance companies are often more willing to split costs within these networks, and the medical providers can give discounts. The importance of in-network care varies from plan to plan. However, staying within the network whenever possible is beneficial. You can call your insurance or check their website to find doctors within your network.

In most cases, if you are working with a primary care provider, they will do their best to recommend specialists within the network. You can always verify with them before scheduling an appointment. Although ensuring your medical care is within the network can take an extra few minutes in the long run, it is beneficial and can save you a significant amount of money.