What is an in-network provider?

An in-network provider is a healthcare provider who has a contract with an insurance company to provide services to the insurer’s policyholders. In North Dakota, an in-network provider is part of a network of physicians, specialists, and other healthcare professionals who have agreed to provide services to a certain health insurance plan at a reduced rate. This means policyholders can receive services from these in-network providers without paying the full cost of the service. In-network providers are also typically the primary route for a policyholder to receive preventative care, such as annual checkups and immunizations. In most cases, policyholders will not be financially responsible for any additional costs, above their insurance premiums, for services performed by in-network providers. In contrast, if a policyholder opts to receive services from an out-of-network provider, the policyholder may be responsible for any additional costs associated with the service. Therefore, it is important for policyholders to confirm the network status of any healthcare provider they are considering using.

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