Networks & providers
PCP (Primary Care Physician)
The doctor who manages your overall care and serves as the gateway to specialist referrals in HMO and POS plans. Typically family medicine, internal medicine, pediatrics (for kids), or OB/GYN (for some women's primary care). HMOs require designating a PCP at enrollment.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.
Narrow network
Smaller-than-typical provider network. Lower premiums.
Provider directory
Carrier list of in-network providers.
Tiered network
Providers grouped into tiers with different cost-sharing.
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