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A large network is important if you're planning to use
your health insurance frequently, especially for major medical needs. It's also
important to keep in mind that your costs will be higher if you choose to go
out-of-network, and that balance billing can add up quickly. If you're
considering going out-of-network, you should know that your insurance company
will only pay a portion of the reasonable and customary amount that is charged
for the service. If you have a major medical need and your preferred providers
aren't available in the network of the health insurance company that offers the
plan with the lowest premium, you might need to consider alternatives like
medical indemnity insurance.
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