What does in-network mean?

Your insurance company has a group of healthcare providers and facilities that they have negotiated a certain rate with for their services. If a doctor, hospital or health care facility you visit is part of your insurance company’s network, you’ll get your health care at lower prices. But if you go out of your network for health care, it can become a lot more expensive.

Here’s an example:

For example, if you go to a doctor that’s in-network and the total charge is $250, a discount is applied to that amount due to a negotiated rate with the doctor. The discount is $75. If the discount is $75 then your health insurance company pays $140. All you have to pay then is the remainder, which is $35.

Now let’s say you go to a doctor that’s out of network. There is no negotiated rate, so no discount is applied to the total charge. Your health insurance company still pays $140, but with no discount, you’ll be responsible for  the remainder, which is $110.


Basically, choosing a healthcare provider in-network means you’ll get a discount and pay less for your medical services.

Click here for information on in-network vs. out-of-network providers: What you should know?

Which providers are in-network?

To find out which healthcare providers, hospitals, and healthcare facilities are in-network go to anthem.com and select “Find a Doctor.”

Click here to learn how to find an in-network provider and/or facility.

Who to call for an in-network provider?

Anthem: Find a Doctor 800.810.2583

Delta Dental: Find a Dentist 800.524.0149

Vision Service Plan (VSP): Find an Eye Care Professional 800.877.7195

Express Scripts: Prescriptions 800.467.2006 (Express Scripts Members)

Kroger Prescription Plan (KPP): Prescriptions 800.575.7712 (All Cincinnati, Dayton, Toledo, Indiana  & Valley Kroger Employees)

CVS Caremark:  Prescriptions 1-866-284-9226 (All CVS Employees)


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