What can be a consequence of using out-of-network providers?

Using out-of-network providers can lead to higher out-of-pocket costs primarily because insurance plans typically have different policies for in-network versus out-of-network care. When a patient utilizes an out-of-network provider, they may be subject to higher deductibles, co-payments, and coinsurance rates. Additionally, the insurance company may cover only a portion of the costs, leaving the patient responsible for a larger share of the bill. This is particularly important for individuals who have a specific health plan that favors in-network providers with pre-negotiated rates that help keep overall healthcare expenses lower.

The other options do not accurately reflect the typical consequences of using out-of-network providers. While it is possible that some plans may not cover out-of-network services at all, it is more common for them to provide limited coverage rather than no coverage whatsoever. Using out-of-network providers does not automatically result in lower premiums; in fact, premiums may be higher for plans that allow out-of-network care due to increased risk. Lastly, while care quality can vary among providers, using an out-of-network provider does not guarantee improved or guaranteed quality of care; it simply reflects the provider's network affiliation, which does not dictate care quality.