01/19/2026
DID YOU KNOW… In-Network vs Out-of-Network?
Did you know “in-network” doesn’t mean “free,” and “out-of-network” doesn’t mean “illegal”?
Insurance loves confusing terms. We don’t.
Here’s the simple version 👇
🟢 In-Network
When a clinic is in-network, it means:
• we have a contract with your insurance
• prices are pre-negotiated
• your insurance usually covers a larger portion
• your out-of-pocket cost is typically lower
This is the “preferred” lane.
🔴 Out-of-Network
Out-of-network means:
• there is no contract with your insurance
• your insurance may pay less or nothing
• your out-of-pocket cost is often higher
• your deductible may be different
It does not mean:
❌ the care is worse
❌ the visit was a mistake
❌ someone did something wrong
It just means the insurance company chose not to partner.
🤔 “But I Didn’t Know!”
Totally fair.
Insurance networks change constantly, and patients are rarely notified clearly.
Even doctors don’t always get advance notice.
That’s why we always encourage:
✔️ checking your plan
✔️ asking questions
✔️ letting us help verify when possible
💡 Why This Matters
Being in-network vs out-of-network affects:
• your copay
• how much applies to your deductible
• how much insurance pays vs you pay
Not the quality of care.
❤️ Our Promise
We’ll:
• be upfront
• explain what we know
• answer questions honestly
Insurance is confusing enough.
We’re here to treat your injury — not add stress.
If you ever have questions about coverage, networks, or costs — ask us.
We’re happy to explain it in normal human language. 😊
