Depending on your health insurance plan, you may have two sets of copays, coinsurances, deductibles, and out-of-pocket maximums. One will cover in-network services and providers. The other will cover out-of-network providers.In-network providers are doctors and facilities contracted with your health plan. Out-of-network providers aren’t contracted with your insurance carrier and are usually more expensive.Ensure you use an in-network provider for your health care services. Otherwise, you may find that you begin to accumulate hefty medical bills.