A fixed amount you pay for covered health care services to providers who do not contract with your health insurance or plan.
HMO and EPO plans do not include out-of-network coverage. Meaning you may need to pay all.
PPO and POS plans include both in-network and out-of-network coverage.
Out-of-network copayments usually are more than in-network copayments.
♦ An out-of-network provider does not need to accept the amount your insurance decides to pay. The provider will likely bill you for the difference.