An "In-Network Provider" refers to a healthcare professional or facility that has a contract with a specific health insurance plan. These providers agree to offer services at negotiated rates, which typically results in lower out-of-pocket costs for patients. When patients choose in-network providers, they often benefit from reduced copayments, coinsurance, and deductibles. Using an in-network provider is important for maximizing insurance benefits. If patients visit an out-of-network provider, they may face higher costs or limited coverage. Understanding the difference between in-network and out-of-network providers can help individuals make informed decisions about their healthcare and finances.