Correct answer for this question is: What is Out-of-Network? Out-of-network means that a doctor or physician does not have a contract with your health insurance plan provider. This can sometimes result in higher prices. Some health plans, such as an HMO plan, will not cover care from out-of-network providers at all, except in an emergency.
The title of my answer is In-Network vs. Out-of-Network Insurance Providers
The reference of my answer is CareFirst