What is the difference between a network and a non-network (or out-of-network) medical provider?
A network provider is a doctor or hospital who’s made an arrangement with us to provide services at a discounted rate. Non-network providers haven’t arranged to provide services at a discounted rate for our customers. Simply put, you’ll typically pay less for services from a network provider than a non-network provider. • What is a Preferred Provider Organization (PPO)? A PPO is a large group of doctors and hospitals who’ve agreed to provide their services to our customers at a discounted rate. Buy a PPO plan to reduce your premium and out-of-pocket costs. • What is an indemnity plan? An indemnity plan, also called a traditional health insurance plan, gives you the freedom to choose any doctor or hospital for your care. And since an indemnity plan isn’t associated with any network, you won’t pay any penalty for choosing a particular doctor or hospital. Premiums for an indemnity plan are higher than PPO plans.
