What common requirement do most types of health insurance plans share regarding services?

Most types of health insurance plans commonly require patients to seek in-network providers in order to receive full benefits. This in-network provider requirement is a foundational aspect of managed care models, such as Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). By using in-network providers, patients benefit from lower copayments, reduced out-of-pocket expenses, and a simplified claims process, as these providers have pre-negotiated rates with the insurance company.

The goal of this structure is to encourage patients to utilize a network of providers that the insurance plan has vetted and contracted with, ensuring a higher level of coordination in care and potentially better health outcomes. This approach also helps control costs for both the insurance company and the insured, as it reduces the risk of unexpectedly high charges that may occur when opting for out-of-network services.