The new year brings new chances to improve our overall health. For better physical and mental health, seeing an in-network provider helps you and your employees get the most out of your benefits for as little cost as possible.

In-network providers have already negotiated with your insurance carrier to provide you services at a certain cost, and your insurer reimburses the provider accordingly.

Out-of-network providers do not have a relationship with your insurance carrier, leaving you with often higher bills and the headache of trying to negotiate with your insurance carrier to get a reimbursement for at least part of the service.

A best practice is to search your insurance carriers' websites for providers who contract with your insurance.  Some carriers also have mobile apps which allow you to search while on the go.

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Text Source: Guardian

Photo:

National Cancer Institute

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