Out-of-Network
Health care providers, hospitals, and facilities that are not contracted with your insurance company.
Detailed Explanation
Choosing out-of-network providers often means facing higher out-of-pocket expenses, and you may be subject to balance billing.
Practical Example
Tom needed to see a highly specialized doctor who was not in his insurance plan's network. He chose to see the doctor anyway, but he had to pay a higher co-insurance and was also balance billed for the difference between the doctor's charge and his insurance's allowed amount.
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