What is the difference between in-network and out-of-network providers?

The difference between in-network and out-of-network providers lies in the coverage and costs associated with each option. In-network providers are healthcare professionals or facilities that have a contracted agreement with the Vision Services Plan (VSP). These providers offer services at a pre-negotiated, discounted rate. By choosing an in-network provider, individuals receive comprehensive coverage, lower out-of-pocket costs, and easier claims processing. On the other hand, out-of-network providers do not have a contractual agreement with VSP. If an individual decides to receive services from an out-of-network provider, they may have higher out-of-pocket expenses and must handle the claims process themselves. It is important to note that coverage for out-of-network providers may vary or be limited compared to in-network providers. To optimize benefits and minimize costs, it is generally recommended to choose in-network providers whenever possible.