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When finding a provider to receive your health services, you've probably heard the terms "in-network" and "out-of-network" when it comes to your health plan. But what do these terms mean for a patient? And why should you be aware if a provider is out-of-network? What does it mean when a provider is "in-network" with a health plan? A provider is a person or facility that provides healthcare. When a provider is in-network it means there is a contractual agreement with that health plan regarding the rates for services. The provider will accept negotiated rates for services from the insurance. This means a patient will typically pay less for medical services received and is less likely to receive surprise bills. What does it mean when a provider is "out-of-network" with a health plan? Providers that are out-of-network are those that do not participate in that health plan's network. The provider is not contracted with the health insurance plan to accepted negotiated rates. This mean that patients will typically pay more or the full amount for the service they receive. Why should patients see in-network providers? Seeing an in-network provider for medical services can significantly reduce your medical expenses. Remember that in-network providers have a contractual agreement for negotiated rates with the health plan, so they cannot charge you more than that negotiated rate for a service. Seeing an in-network provider will always ensure any costs you do incur (copays or co-insurance) are applied to your health plan's deductible and out-of-pocket maximum (out-of-network costs don't apply to these amounts). To find the amounts you will pay for specific services, you can check your health insurance plan's Summary of Benefits. What is the best way to find which providers are in-network with a patient's health plan? Most health insurance companies offer multiple ways to find if a provider is in-network. To find the most accurate benefit information from your health plan, you can: Call their Customer Service department Check their website for their online provider directories If offered, check your online member portal.

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As many people search for diets to try to achieve weight loss resolutions, Kim Colegrove, Renown Dietary Educator, has all you need to know about one of the trendiest diets – intermittent fasting. What is intermittent fasting? Intermittent fasting is an eating pattern that switches between periods of fasting with no food or very restricted caloric intake, and periods of unrestricted eating. The diet has come into popularity as a way to help people lose weight without restricting what they eat, just when they eat. How does it work? The rationale behind intermittent fasting is that the pattern of eating promotes weight loss due to hormonal changes – namely, the decrease in insulin levels – as well as effects on your gut and overall decreased energy consumption. There are various schedules, including alternate-day fasting and time-restricted feeding. For example, one popular method involves restricting your eating period to eight hours per day and then fasting for the remaining 16 hours. Another requires fasting for 24 hours once or twice per week. What should people consider before they try intermittent fasting? Some people have found success in losing weight with intermittent fasting. However, it’s important to note that it’s not a diet that necessarily promotes sustainable habits and lifestyle changes. There’s also not enough research conducted that shows its lasting impact on health, weight, or metabolic improvement. For most, an intermittent fasting diet is just that – a diet. A person will likely lose weight because they consume fewer calories, but keeping the pounds off is an aspect of healthy weight loss that requires a permanent lifestyle change. Who should NOT try intermittent fasting? Intermittent fasting is not for everyone and it can pose a health risk to women who are pregnant or breastfeeding, people with diabetes, and children and adolescents in an active growth stage. Also, it would not be appropriate for those with a history of eating disorders, as well as people with certain health conditions that require them to eat every few hours. You should always talk to your doctor before beginning a restrictive diet such as this, especially if you have a chronic health condition or are taking certain medications.

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