Direct answer
Yes, because insurance companies negotiate discounted rates with in-network providers, whereas out-of-network providers may balance-bill you for the difference between their charges and your plan’s allowable amount.
Consumer health insurance marketplace guidance regarding network adequacy and provider billing protections. For additional information about how federal regulations protect consumers from surprise medical bills when visiting in-network facilities, see the Centers for Medicare & Medicaid Services.
What this means for you
Yes, because insurance companies negotiate discounted rates with in-network providers, whereas out-of-network providers may balance-bill you for the difference between their charges and your plan’s allowable amount.
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