Definition - What does In-Network mean?
In-network refers to health care providers who are a part of group that has contracted with a particular insurer. Policyholders who visit in-network care providers typically have to pay much less than they would otherwise, because their insurance company has already agreed to reimburse these providers for their services.
Insuranceopedia explains In-Network
An example of an in-network health care provider would be a primary care physician who has contracted with Blue Cross Blue Shield. As long as the patient who would like to see the physician has Blue Cross Blue Shield insurance, then this physician would be in-network.
Physicians who are out of network cost more because insurance companies oftentimes will not cover their fees, Therefore, the difference in cost between seeing an in-network versus and out-of-network physician can be quite significant.