What is an In-Network Provider?

An in-network provider is a healthcare professional, hospital, or facility that has contracted with your insurance company to provide services at pre-negotiated rates. These providers agree to accept the insurance company's allowed amount as full payment, resulting in lower out-of-pocket costs for patients. Using in-network providers typically means paying only your plan's standard copayments, coinsurance, and deductibles.

Why in-network providers matter

• Reduces costs: In-network care generally costs significantly less than out-of-network services
• Simplifies billing: Providers handle most paperwork and cannot balance bill you for amounts above the allowed rate
• Maximizes benefits: Insurance plans often cover a higher percentage of costs for in-network care

How Solace can help

A Solace advocate can help you find in-network providers, verify network status before receiving care, and resolve billing issues if providers are incorrectly classified. Advocates can also assist when you need specialized care that may not be available in-network.