In-network means we have a contract with your insurance company and have
agreed on the rates for services . Out-of-network means that we do not
have a contract with your insurance company in setting the rates, but
as a company policy we have agreed to only bill you what the in-network
allowed rates are. In the emergency room, state law dictates that all
patients have to be treated as if they are in-network, regardless of the
in or out-of-network status deemed by your insurance company.