What is an in-network provider?

An in-network provider is a health care provider that has a contract with a health insurance company. This means the provider is part of the insurance company’s network and agrees to accept a set fee schedule for services rendered. In Texas, insurance companies must offer you a choice of in-network providers, so you can shop around for the right doctor and get the best deal. For example, if you have a health plan that requires you to use only in-network providers, then you must make sure the doctor or hospital you are visiting is a part of that network before you get care. The cost of care from an in-network provider is usually lower than if you go out-of-network, so it’s important to check if your doctor or hospital is in-network before you get care. You can visit the Texas Department of Insurance website to find out more information about in-network providers in the state and compare plans and services offered by different insurance companies.

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