Yeah what zzz says here. Plus you need to call your provider and have them give you a list of in net work providers. Most likely you can go to their website and pull up a list of medical providers in your area that are in network. When you call a new provider you ask them, “are you contracted with——- ?” blue cross for example. Do you adhere to blue cross example price agreements. If they charge above the blue cross contracted amount you will have to pay that difference. You need to be with a provider that your insurance company has pre approved.