5 Reasons You Should Choose In-Network Providers

Selecting the right health care provider is an important decision that directly affects the quality and cost of your medical care. One crucial factor to consider is whether the provider is in-network or out-of-network. Here are five reasons why you should choose in-network health care providers.

1. Cost Savings.

One of the core benefits of choosing in-network health care providers is the potential for significant cost savings. Insurance companies negotiate discounted rates with in-network providers, which means you generally pay less for medical services compared to an out-of-network provider. By staying in-network, you maximize your insurance coverage and minimize your out-of-pocket expenses.

2. Predictable and Transparent Costs.

In-network providers typically have pre-negotiated fees for services, which means you have more predictable and transparent health care costs. This helps you budget for medical expenses with greater certainty. With out-of-network providers, you have the potential for higher, unpredictable costs.

3. Insurance Coverage.

Most health insurance plans offer better coverage for in-network services. When you choose an in-network provider, your insurance plan is more likely to cover a higher percentage of the costs. Choosing an out-of-network provider can result in higher co-pays and deductibles, and reduced coverage.

4. Streamlined Claims.

Insurance companies have established relationships and streamlined procedures with in-network providers, making it easier for both you and your provider to process claims.

5. Easy Access.

Finding in-network providers is easy. You can use the BCBSIL Provider Finder tool or call a Benefits Value Advisor at 1-800-537-9765 to find providers by location, and compare them based on price, patient reviews and recognition. You can also check to be sure your providers are in-network by calling the number on the back of your insurance ID card prior to receiving services.

TIP: Make sure you’re choosing in-network providers for your dental and vision care, too.

Find a Network Dentist

Register and log in online.

• Cigna Dental PPO network: Select DPPO/EPO > Total Cigna DPPO.
• Cigna Dental HMO network: Select CIGNA DENTAL CARE DHMO > Cigna Dental Care Access Plus.

Find an EyeMed Provider

Visit EyeMed and look for Vision Care Program network. Click “Find an eye doctor,” enter your ZIP code, choose RRD’s network (“Select” network), and click “Get Results.”