discussing patient details with another Doctor in networkThis is the group of physicians, pharmacies, hospitals, and other health care providers and facilities that have a contract with a health plan or health insurer to provide health care services. Most HMO Plans require members to use network providers, while PPO Plans usually charge members extra if they use providers outside the network. These extra charges come in the form of higher coinsurance or co-payments.

Natalie was happy to learn that her preferred doctor was within her HMO Plan’s network.