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Network Provider? Sorry, I have to mop the floor.

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Network Provider? Sorry, I have to mop the floor.
Health insurance plans utilize networks. Networks consist of select network providers, which are hospital systems and the doctors and clinics associated with those systems. Insurance carriers are able to negotiate lower costs by working with network providers, compared with an insurance carrier using more than one network provider. This saves money for you and your family by giving you the lowest rate. When making choices about your health care, pay attention to how much the cost sharing and ou...
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In-Network? Sorry, I have to take out the trash.

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In-Network? Sorry, I have to take out the trash.
Health plans utilize provider networks. Your health plan has negotiated rates for health care services that are considered “in-network.” When an insurance carrier aligns their coverage with a network, that network provides the carrier with a discounted cost per service. Since the discount can be anywhere between 10 to 40 percent of the retail cost, the health plan passes some of the savings on to you in the form of lower out-of-pocket costs, and no balance billing. For any given health situati...
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Referral? Sorry, I have to dust the shelves.

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Referral? Sorry, I have to dust the shelves.
Benefits 101: What is a referral? A referral from your primary care physician may be required by your health insurance plan for specific treatments from a specialist doctor. Not all types of treatment require you to have a referral, and not all health insurance plans require referrals. If you’re not sure whether a referral would be required in your situation, you can look at your health plan document.
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POS health plan? Sorry, I have to do some ironing.

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POS health plan? Sorry, I have to do some ironing.
What is a POS health plan? It is one type of health insurance plan. “POS” stands for “Point of Service,” meaning that you can choose a health care provider right when making an appointment. Depending on your health care needs, the POS plan allows you to select an “in-network” provider or “out-of-network” provider of your choice. For example, you might have a primary care doctor who is in-network, but an out-of-network chiropractor. POS health plans usually cover your care from in-n...
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PPO? Sorry, I have to fold the towels.

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PPO? Sorry, I have to fold the towels.
What is a PPO? PPO stands for Preferred Provider Organization. In the U.S., it is one common type of health insurance plan. This type of plan might be right for you if you frequently travel or live outside of other available health plans’ service areas. Keep in mind that out of network services will be at a much greater out of pocket expense to you. How is it different from the other types of health plans? How do you choose what is right for you?
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  • Out-of-Network? Sorry, I have to wash the windows.
    What is does it mean if a health care provider is "Out-of-Network"? This is a general idea for employees navigating their health plan who wish to understand the health care costs better so that they c...
  • Network Provider? Sorry, I have to mop the floor.
    Health insurance plans utilize networks. Networks consist of select network providers, which are hospital systems and the doctors and clinics associated with those systems. Insurance carriers are able...
  • In-Network? Sorry, I have to take out the trash.
    Health plans utilize provider networks. Your health plan has negotiated rates for health care services that are considered “in-network.” When an insurance carrier aligns their coverage with a networ...
  • Referral? Sorry, I have to dust the shelves.
    Benefits 101: What is a referral? A referral from your primary care physician may be required by your health insurance plan for specific treatments from a specialist doctor. Not all types of treatmen...
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