In-network vs out-of-network

What you'll learn

• ✓What a network is and why in-network care costs less
• ✓How out-of-network bills and balance billing work
• ✓How to check whether a provider is in your plan's network

Key takeaway: In-network providers accept a negotiated rate — out-of-network ones can bill you the difference.

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

1. 1In-network vs out-of-network▶ Now playing3:37
2. 2HMO plans: understanding your coverage3:56
3. 3High Deductible Health Plans (HDHP)4:00
4. 4PPO plans: flexibility at a higher cost3:45
5. 5EPO plans: network-only, no referrals3:30
6. 6FSA & HSA: an overview4:10
7. 7HMO vs PPO: which fits you4:20
8. 8HSA vs FSA: a detailed comparison4:15