Health Insurance Networks

The definition of Health Insurance Networks, and how it fits into the Zenefits Health Insurance Marketplace

What are health insurance networks?

Insurance carriers will designate a provider as either in-network or out-of-network. This defines whether the healthcare provider is able to accept the health insurance provided by that carrier. 


How does a health insurance network work?

An in-network provider is a doctor, specialist, etc. that has contracted with the insurance carrier to participate in a specific network, typically at a lower cost. An out-of-network provider is any provider who does not belong to the carrier’s network.