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Each insurance plan has a specific network of health care providers, hospitals and pharmacies – these in-network services are covered under your plan. If you visit a health care provider, hospital or pharmacy that is out-of-network, additional out-of-pocket costs could apply. Some plans, such as health maintenance organizations (HMOs) typically only provide coverage for in-network providers, leaving patients paying the full cost of any out-of-network care. Preferred provider organizations (PPOs) provide some coverage for out-of-network care, but patients may still face high costs for out-of-network care.