Our Passion, Your Health

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Easily Explained: In-Network vs. Out-of-Network

You've probably seen these terms or heard about them from your insurance company, but do you know what they mean?

We'll define them simply so you can avoid paying more for your healthcare. Your insurance plan contracts with a wide range of doctors, hospitals, labs, etc. These are “in-network” and will cost less depending on the type of insurance plan you have because they have pre-negotiated the rates. If you choose to use a doctor, hospital, lab, etc. that your insurance plan has not contracted with, you will likely pay more for your care because there is no “set rate” that was agreed upon.

Important Tips

In-Network and Out-of-Network plans change often so it’s best to call both your insurance and physician office to confirm before you visit a healthcare facility, physician, or service.

If you choose to use a doctor, hospital, lab, etc. that your insurance plan has not contracted with, you will likely pay more for your care because they will be “out-of-network”.

Looking for a new physician or outpatient services who accepts your insurance?
Contact Patty Kelly, our Physician Referral Specialists.
610-378-2001   |   toll free 844-363-0882   |   FindAPhysician@PennStateHealth.psu.edu

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