You have the choice to use any provider you want, in-network or out-of-network. Shopping for a quality provider that is also in your plan's network, whenever possible, is one of the most effective ways to reduce costs. Why? Network providers have agreed with your benefit plan to charge negotiated rates for services provided to plan members. Network providers save you money directly by reducing your out-of-pocket costs. They also help to lower overall claim costs for all of us.
It's more important than ever that you use an in-network provider when possible. You will save money when you use a network provider because there are different deductible, out-of-pocket, copayment and coinsurance amounts for covered services depending on if you see an in- or out-of-network provider.