When you see a health care provider, you may owe certain out-of-pocket costs, like a copayment, coinsurance, or deductible. You may have additional costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network. Out-of-network means providers and facilities that haven’t signed a contract with your health plan to provide services. Out-of-network providers may bill you for amounts higher than your insurance re

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