Networks & providers
Out-of-network
Providers who haven't contracted with your insurer. You typically pay more — sometimes substantially more — for out-of-network care. Some plans (HMOs, EPOs) don't cover out-of-network care at all except for emergencies.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
Related terms
In-network
Providers contracted with your insurer at negotiated rates.
Read definitionBalance billing
Out-of-network provider bills you the gap.
Read definitionHMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
Read definitionEPO (Exclusive Provider Organization)
In-network only, but no referrals required.
Read definitionMore in Networks & providers
In-network
Providers contracted with your insurer at negotiated rates.
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.
Have a benefits question?
Ask a benefits advisor.
Jesse reads every contact submission personally. If your question is straightforward, you'll get a written reply. If it needs a call, we'll set one up.