What does 'in-network' mean and why is it important for costs?

• A. In-network providers have not negotiated any discounts with the insurer.
• B. In-network providers have negotiated discounts with the insurer; using them typically lowers your costs.
• C. In-network means the provider is outside your plan.
• D. In-network refers to providers who only accept cash payments.

Answer: (B)