health insurance

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.

Kristin Gourlay / RIPR

The public comment period has ended and now the Rhode Island health department must decide whether United Healthcare can cut Landmark Medical Center from its insurance network. The decision could affect thousands of patients.

Aaron Read / RIPR

You may have gotten a letter in the mail recently from your health insurance company asking whether you wanted to opt out of something called an “all payer claims database.”

It's pretty basic: in order to save a little money, most people have to stick to a budget. But before you can sketch out that spending plan, you need to know where your money's been going and how much you've been spending on everything. Then you can look for places to trim and skimp.

So too goes the theory with health care spending. Or at least, that's the idea behind several new efforts:

Aaron Read / RIPR

New rules for Medicare Advantage plan members give seniors more flexibility to opt out of plans that drop their doctors from the network.

The Centers for Medicare and Medicaid Services has announced that Medicare Advantage plan members will be able to switch plans if those plans drop doctors mid-year without cause. These are Medicare plans offered by private insurance companies and often operate like HMOs.

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