There are several advantages when you go in-network. Generally:

• You don't need to pay a deductible, or your deductible is lower than when you go out-of-network
• You don't need to submit claim forms and wait to be reimbursed by your plan
• With some plans, you pay a smaller percentage of coinsurance when you go in-network
• With other plans, you only pay a copayment (fixed dollar amount) at the time you receive covered services