Home Page Get A Quote

Health InsuranceBetween deductibles, limits, maximums and co-insurance percentages, it can be pretty challenging to understand all the ins and outs of your health insurance policy. But in order to utilize the policy properly and make health care decisions that your policy affords you coverage for, you need to take the time to understand all of these terms. By far, one of the most confusing concepts is that of in-network and out-of-network providers, but it’s also one of the most important when it comes to choosing health care providers.

In-Network Providers

Your insurance company has worked with a group of medical treatment providers and facilities to deliver treatment to insurance policyholders at a pre-negotiated price. When you see one of these individuals or go to one of these centers, it is considered to be an in-network visit. This entitles you to in-network coverage which will have a lower co-insurance cost and lower overall service price than an out-of-network visit.

If you do not already have a regular doctor that you see, then working within your insurance company’s network should be no problem. But if you already have a set of doctors and specialists that you have established a relationship with, you may want to check with a potential insurer to make sure these doctors will be considered in-network before you take out a new policy.

Out-of-Network Providers

If you see a practitioner or go to a facility that is outside of this network and that hasn’t agreed to offer services at the insurance company’s discounted rate, then you are going to an out-of-network facility

In some insurance policies, you might have no coverage at all if you see an out-of-network provider unless it’s an emergency and there was no in-network option available. Some policies allow for a reduced co-insurance payment if you see an out-of-network provider.

By creating a network of providers, your insurance company is better able to control costs and premiums. When you visit a medical practitioner out of their controlled network, they must limit the amount of coverage they can afford you for the visit because otherwise, their insurance costs would be less controlled and could skyrocket out of control, making affordable premiums a thing of the past.

Find out more about your Round Rock Health Insurance options from Evans, Ewan & Brady today!

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Footer Links
Home Round Rock Homeowners Insurance Insurance Blog About Us Contact Us Blog RSS Feed Like us on Facebook Follow us on Twitter Connect on Linked In Driving Directions Blog RSS Feed Find us on Facebook Follow us on Twitter Connect on LinkedIn Homepage Austin Car Insurance Blog About Contact Driving Directions to the Georgetown office Homepage Privacy Policy