Action Plan: Not sure if provider is in-network
Your situation: You're not sure if your provider is in-network
This action plan applies to you if:
- You got an unexpected medical bill
- You used health insurance
- You went to an in-network facility
Not your situation?
Answer a few questions, and we’ll get you to the right place.
Action Plan
Unexpected high medical bills are frustrating. Follow these steps to figure out if your provider was in-network when you got care, then take action.
Check your explanation of benefits.
The explanation of benefits lists the different medical services you got. It also lets you know if a service was in or out-of-network.
Learn how to read your explanation of benefits
Check your health plan’s provider directory.
Go to your health insurance company’s website. Look for their list of providers, called a "provider directory."
Search for your provider in the directory. They’re in-network if you see them on the list.
Call your health insurance company if you don’t see your provider listed.
Provider directories aren’t always accurate.
Call your health insurance company if you don’t see your provider in the directory. Ask if your provider was in-network when you got care.
Take action.
Now you know if your provider was in your health plan’s network or not.
Follow the appropriate link for your next steps:
Still have questions? Find the answers you need in a way that works for you.
Call the No Surprises Help Desk
Get answers about the No Surprises Act. Call our Help Desk at 1-800-985-3059. We can help you in English, Spanish and over 350 other languages.
Find a patient advocate near you
Patient advocates can help you navigate the healthcare system. Work with an advocate to get the care and resources you need.
Page Last Modified:
08/21/2026 09:24 AM