Skip to main content
Shop Plans Learn more about our coverage options including health, Medicare, dental and vision options for you, your family or your employees. Get Started Individual & Family Medicare Employer Vision Dental International Travel Find Care FAQ Blog Members Stay on top of your health care with helpful member resources. Members Home Medicare Health Dental Vision Find Care Member Knowledge Center Member Forms Medicare Forms Library Make a Payment Federal Employees Student Blue Healthy Blue Providers Access tools, policies and the latest information to help you care for our members. Providers Home Network Participation Networks & Programs Claims, Appeals & Inquiries Prior Authorization Services & CPT codes Prescription Drug Search Policies, Guidelines & Codes Provider News Provider FAQ Contact Us Employers Learn about our coverage options for small and large employers, and access tools and resources for your group. Employers Home Shop Employer Plans Employer Portal Support Member Forms & Resources Find Care Blog Agents Access the tools you need: rate quotes, applications, forms, the latest industry news, marketing materials and more. Agents Home Agent Services Check Eligibility Find Care Member Forms & Resources Medicare Forms Library
Contact Us
Español
Log In
I am ... Please select A member A provider An employer An agent
Log in to Agent Services
Log in to Employer Services Register for Employer Services I'm registered but need portal access
Username Forgot username? Continue to Log In Register for Blue Connect Need help? Learn how to log in.
Log in to Blue e Register for Blue e Log in to Dental Blue
Knowledge Center In-network vs out-of-network

Learn about the different types of care to help you find the right providers at more affordable costs.

Networks can make a big difference in how much you spend on health care. That's because your in-network providers – which may include doctors, hospitals, labs, and pharmacies – contract with your health insurance company to bring you negotiated rates.
How in-network costs work

Let's say a provider's fee for service is $200, but the provider is in-network with your insurance plan and has a contracted rate of $120 for that same service. You would only be responsible for $120. That saves you $80.
How out-of-network costs work

An out-of-network provider's $200 fee for services may not be covered, meaning you'll be responsible to pay the entire amount.

Even with an insurance plan that covers some out-of-network costs, you may still have to pay more for covered services.
Finding in-network care

Find in-network providers, information about covered procedures, and details about cost savings by logging in to your Blue Connect℠ member portal.

You can also use our Find Care tool to search for providers and facilities even if you're not registered for Blue Connect.

Remember, doctors can change networks year to year, so it's best to also check in with your regular doctor during annual open enrollment period.

 Log In to Blue Connect Find Care
Emergency room care

During an emergency, you don't need to worry about finding an in-network emergency room (ER). You can find more information about what's covered under emergency room care and how your insurance is applied in your Benefit Booklet.

Did you receive an ER bill that you don't understand? Learn more about surprise billing or balance billing.