You have the choice to use any provider you want, in-network or out-of-network. 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 whether you see an in- or out-of-network provider.