Networks & providers
In-network
Providers, hospitals, and pharmacies that have contracted with your insurer to accept negotiated rates. In-network care costs less than out-of-network. Always verify a provider's network status before scheduling.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Networks & providers
Out-of-network
Providers without an insurer contract. Higher cost.
Narrow network
Smaller-than-typical provider network. Lower premiums.
PCP (Primary Care Physician)
Main doctor coordinating care. Required for HMOs.
Provider directory
Carrier list of in-network providers.
Tiered network
Providers grouped into tiers with different cost-sharing.
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