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Health Insurance 101: In-Network vs. Out-of-Network Providers

Lauren Smith, MAKaren Hovav, MD, FAAP
Written by Lauren Smith, MA | Reviewed by Karen Hovav, MD, FAAP
Updated on August 5, 2025
Reviewed by Karen Hovav, MD, FAAP | August 5, 2025

Depending on your health insurance, your plan may show different prices for in-network providers and out-of-network providers. A provider who has a contract with your insurance company is called an in-network provider (or sometimes a “preferred provider”). Those who don’t are an out-of-network provider.

References

Centers for Medicare & Medicaid Services. (n.d.). What you should know about provider networks.

HealthCare.gov. (n.d.). Health insurance plan & network types: HMOs, PPOs, and more.

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Lauren Smith, MA
Written by:
Lauren Smith, MA
Lauren Smith, MA, has worked in health journalism since 2017. Before joining GoodRx, she was the senior health editor and writer for HealthiNation.
Karen Hovav, MD, FAAP, has more than 15 years of experience as an attending pediatrician. She has worked in a large academic center in an urban city, a small community hospital, a private practice, and an urgent care clinic.

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