An "Out-Of-Network Provider" refers to a healthcare professional or facility that does not have a contract with a patient's health insurance plan. When patients choose to see these providers, they may face higher out-of-pocket costs compared to using in-network providers. This is because insurance plans typically negotiate lower rates with in-network providers, making them more affordable for patients. Patients may still receive care from out-of-network providers, but they should be aware that their insurance may cover only a portion of the costs, if at all. It's important for patients to check their health insurance policy to understand the potential financial implications of using out-of-network services.