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A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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Featured

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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics

Featured

Featured
6 lessons Mary Lou Retton’s health scare can teach us about coverage
Mary Lou Retton’s health scare story included some important lessons for consumers, many of whom may assume that the celebrity’s health scare is a sign of barriers to affordable health coverage.
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in-network

What does in-network mean?

In network refers to providers or health care facilities that are part of a health plan’s network of providers with which it has negotiated a discount. Insured individuals usually pay less when using an in-network provider, because those networks provide services at lower cost to the insurance companies with which they have contracts. The provider’s contract with the insurer requires the insurer to accept the insurer’s payment (plus the patient’s cost-sharing, such as the deductible, copay, or coinsurance) as payment in full — an in-network provider cannot balance bill a patient.

Some health plans only pay for services when the member uses in-network providers, while other health plans will pay at least some of the claim even if the member uses an out-of-network provider.

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