When it comes to health insurance, "in-network" means a provider or facility that's contracted with your insurer to provide services at an agreed-upon rate. "Out-of-network" means a provider or facility that doesn't have an agreement with your insurer. Whether in-network or out-of-network providers and facilities are covered, and to what extent, depends on your particular health insurance plan.
Thousands of Rhode Islanders have signed up for health insurance in recent weeks, some for the first time. I'm thinking that means some might not be so familiar with our health care system, or they might not know how to keep costs down with plans that carry higher deductibles or out-of-pocket costs.
So... here are a few tools to help you navigate, from finding the highest quality, to keeping costs down, to managing your own health. It's not an exhaustive list, but a start...if you're starting from scratch!