Terms explained: Service: This column outlines the In-Network Cost: This refers to the specific medical services covered by cost of healthcare services received the insurance plan, such as office from providers who are contracted visits, urgent care, emergency room with the insurance company. visits, surgical procedures, and In-network providers typically have prescription medications. negotiated rates with the insurance Deductible/OOP Maximum: This company, resulting in lower column describes the financial out-of-pocket costs for the thresholds that policyholders must policyholder. Out-of-Network Cost: meet before the insurance coverage This indicates the cost of healthcare takes effect or limits the total amount services obtained from providers who of money the policyholder will have to are not part of the insurance pay out of pocket for covered services company's network. Out-of-network in a given year. providers do not have negotiated rates with the insurance company, leading to higher out-of-pocket expenses for the policyholder. Additionally, insurance plans often provide less coverage for out-of-network services compared to in-network services.