What is a key cost implication when using in-network providers?

• A. Out-of-network care is always cheaper.
• B. Network adequacy has no impact on access to care.
• C. Choosing in-network providers typically yields higher costs.
• D. In-network typically yields lower costs and easier authorization.

Answer: (D)

In-network providers are covered by negotiated rates with the insurer, which generally lowers the price of services for you and lowers your out-of-pocket costs. Plus, the authorization and pre-approval processes are usually smoother within the network because those providers have established connections with the insurer. Out-of-network care tends to be more expensive and can involve balance billing, and access can be more restricted. So the idea that choosing in-network typically yields lower costs and easier authorization is the best fit.