An Out-Of-Network physician or hospital is one that is not on the list of preferred health care providers for your insurance company. In most cases, using an out of network doctor, hospital or clinic means that your claim will be denied - that you’ll bear the entire cost of those services without participation by your insurance company. This policy is typically part of a closed access insurance program. But even if that’s the case, there are exceptions and you should be aware of them.

The most common exception is when you are traveling. Whether you’re in another state on a business trip or visiting friends in the next city, you can never be certain you won’t need medical treatment. Whether it’s an accident or a sudden illness, you need to know what to do if it happens. Talk to your broker. If your insurance company has a network of approved providers, get the full list so that you can find an approved doctor or clinic when you’re away from home. If your insurance doesn’t recognize health care professionals or facilities in other areas, find out what the policy is for emergency care. Most policies include a clause that provides for emergency health care even if an out-of-network doctor or hospital provided the care.