Networks refer to all of the hospitals, doctors, and suppliers that the insurance company has contracted with and negotiated the prices for services.

Networks are broken down into two categories, In-Network and Out-of-Network.  Your insurance policy will have different coypayments, coinsurance, and sometimes different deductibles for non-preferred providers and the amount that you spend out of network sometimes does not count towards your MOOP.

There are a few types of networks, but the most common are the HMO and the PPO.