healthcosts.net
Insurance & claims
In-network vs. out-of-network
A hospital "in-network" with your plan has a pre-negotiated rate; "out-of-network" means no agreed price, and you can be billed far more.
Example
An in-network negotiated rate for an ER visit is $1,200. The same visit at an out-of-network hospital can bill $4,800 with no discount agreement in place.