An "out-of-network provider" is a healthcare professional or facility that does not have a contract with your health insurance plan. This means that if you receive care from them, your insurance may cover less of the cost, or possibly none at all. Patients often face higher out-of-pocket expenses when using out-of-network providers compared to in-network ones, which have agreed to specific rates with the insurance company. Choosing an out-of-network provider can sometimes be necessary, especially if you need specialized care or if there are no in-network options available. However, it's important to check with your insurance company beforehand to understand the potential costs and coverage options.