A policy I am looking says this (refering to the difference between Network, PPO, etc....)

''Network. A network of physicians, hospitals, and other health care providers that have agreed to provide medical services to a health insurance plan is members at discounted costs. While the health plan is members are free to use any health care provider, the cost to use network providers is less than using non-network providers.''

Now, does that mean if l use their network Dr's, say l accumulate 5,000 worth of medical and my deductable is the first 10,000.... So say l use 5000, then l go to an out of network Dr and say l spend 2,000. Will that 2,000 be counted towards my 10k yearly deductable or no?
...Would my yearly deductable then be up to 7,000, or still at 5,000 cause l went out of network?

You should ask your agent this question. There is no extra charge using an agent and it is much easier and quicker talking with an agent than trying to do this yourself.

It depends on the policy, but most policies will have a separate deductible and a different co-insurance for out of network services. Also, check to see if the doctor visits are subject to the deductible; with most individual plans they are not in network but they may be out of network.

When you have a deductible.regardless if you go to an in network dr. or out of network dr., you are paying out of pocket and that will apply towards your deductible. If you go to a doctor is out of the network, you will be paying more out of pocket, because technically your insurance does not have to pay at all if they are not in network, but still will be applied to deductible.

Jenny is not exactly correct. You could have different deductibles first of all for in & out of network. The other part of the equation is if u go out of network & they bill u $2,000 & the insurance company only approves $1200 u will end up spending $2,000 but only $1200 will count towards ur deductible.

So, the answer is that u might have separate deductibles but only a percentage of out of network expenses will count toward the deductible.

For all intents & purposes Network & PPO r synonymous. But, go with the first response as u should be working with a broker to answer ur questions.

http://InsurancePickle.com

One of the most important things to consider is when using a network provider, ur incurred charges could be reduced considerably due to the contract between the provider & ur insurance carrier. For example: (and l am just making up numbers for example purposes)
$15,000 total charge - $5000 (PPO network discount) = $10,000. You have saved yourself money upfront by using providers in the network.

As others have stated u may have two separate deductibles. One for in-network & one for out-of-network. When u read ur plan benefits, it may have 4 sets of numbers:
It may look like this:
In Network Out of Network
$10,0000 / $20,000 $20,000 / $40,000

The represents the $10,000 for ur deductible, & the $20,000 deductible if u have dependents. The $20,000 / $40,000 Out of network.

Some carriers will let the out of network deductible satisfy in network deductible, but u would need to call ur carrier to find out.

Good luck!