Making the Most of Your Health Plan

What Are My Options For In-Network Care?

Understanding provider networks

You have options when it comes to where you go for medical care. The type of health plan you choose — such as HMO, PPO, or POS — determines the network of doctors and hospitals you can visit. Look on your health insurer’s website for a provider directory or search tool that lets you find doctors and hospitals within your plan’s network, also known as in-network providers. If a doctor or hospital is not part of your plan’s network, they are called out-of-network providers. Members typically pay more for services from out-of-network providers, and some plans may not cover services from out-of-network providers at all (e.g., HMO plans).