What is a provider network?  And why is it important to you? Provider networks are groups of doctors and medical facilities contracted to perform medical services at a discounted rate for the members of health insurance plans.  The participating doctors and medical facilities in a provider network are referred to as “in-network.”  Conversely, doctors and medical facilities not participating in the provider network are considered “out-of-network.”  Participating doctors and facilities vary from network to network, as well as carrier to carrier. The benefit of provider networks is that if you choose to see an in-network provider you can take advantage of the providers discounted rate