In-network and out-of-network

Definition

A provider is in-network when they have a contract with a health plan to see its members at agreed rates, and out-of-network when they don't. Network status decides what the member pays, so a wrong status in the directory can cost the member money.

By the Candor Health team Last reviewed Also called in-network, out-of-network, network participation status, and network status

Why does network status matter to members?

In-network care usually costs members much less. Out-of-network care can cost more, or not be covered at all, depending on the plan.

How can network status be wrong in a directory?

A provider leaves a contract, joins a different group that isn't contracted, or participates in some of a plan's products but not others. If the directory isn't updated, members are told the provider is in-network when they aren't.

What protects members?

Under the No Surprises Act, if a member relies on a directory that wrongly lists a provider as in-network, the plan generally can't charge more than in-network cost-sharing for that visit.

Sources

  1. 42 U.S.C. 300gg-115, provider directory requirements (No Surprises Act), U.S. Code on govinfo.gov
  2. CMS, Ending Surprise Medical Bills

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