Picking a doctor is a big deal. You want someone who listens, makes you feel better, and maybe even laughs at your jokes. But did you know your choice also changes how much you pay? In the world of insurance, there is a special group of doctors called a “network.”
What is in-network?
In-network is just another way to say that a doctor, specialist, or hospital has a special deal with Oscar. They’ve signed a contract to give our members a lower, “wholesale” price.
Translation: When you see an in-network provider, you’re getting a major discount before you even walk through the door.
Why it’s smart to stay in-network
Staying in-network is the easiest way to keep things simple and cheap. Here is why it matters:
- Lower bills: Because the price is already set low, the total bill is much smaller.
- Oscar pays more: When you stay in-network, Oscar covers a bigger chunk of the cost. That means more money stays in your pocket.
- No surprises: In-network doctors promise not to ask you for extra money after Oscar pays our share.
How to find in-network care
Finding a doctor, lab, or pharmacy in the network is very easy. You can find everything you need with just a click or two. Here is how you do it: