In or out? Why using your network matters
Using network providers may help you keep your costs down. Discover ways to save.
When you’re looking for a doctor, hospital or other health care provider, you have choices: Are they close to my home? Do they speak my language? Do I feel comfortable there?
Those are important questions. But there’s another that should be at the top of your list: Are they in my network?
Why does it matter? When you use providers who are in your network, it may help keep your costs down.
3 reasons to use a network provider
Staying in your network when you need care may help you:
- Save on out-of-pocket costs. In most cases, you’ll pay a lower share of the cost when you use a network provider. Network providers have agreed to charge UnitedHealthcare members discounted rates. If you choose a non-network provider, you may have to pay the difference between the discounted rate and your doctor’s rate. Or your care may not be covered at all — and you may end up paying the full amount yourself.
- Meet your out-of-pocket limit. Your plan sets a limit on the amount of money we ask you to pay for health care every year. That’s called your “out-of-pocket limit.” When you use a network provider, your share of the bill usually counts toward your out-of-pocket limit. But if you don’t use the network, it may not count.
- Make an informed choice when you’re looking for a doctor. UnitedHealthcare evaluates network doctors in dozens of specialties. So when you look for doctors in your network, you have more information at your fingertips to help you choose.
Subscribe to our newsletter
Want to receive our enewsletter? Subscribe to Healthy Mind Healthy Body® today.
- If you are a new member, register on myuhc.com® to begin getting the newsletter.
- If you've already registered on myuhc.com, log into your account and update your Subscriptions in the Account Settings section.