Networks & providers
Tiered network
A network structure where providers are grouped into tiers (e.g., Tier 1, Tier 2) with different cost-sharing for each tier. Designed to steer patients toward higher-value providers. Becoming more common in employer plans.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.
PCP (Primary Care Physician)
Main doctor coordinating care. Required for HMOs.
Provider directory
Carrier list of in-network providers.
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