Networks & providers
Narrow network
A provider network that is significantly smaller than a typical PPO network. Common in marketplace plans and HMOs. Trades broader access for lower premiums. Always check that your providers are in-network before enrolling.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
In-network
Providers contracted with your insurer at negotiated rates.
Out-of-network
Providers without an insurer contract. Higher cost.
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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