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I work in healthcare dealing with insurances on a daily basis. "In network" is when you use selected facilities/doctors that have a contract with your insurance company. "out of network" is just the opposite when you use out of network your benefits (depending on the policy) they will pay at a much lower rate than if you use "in network". The Deductible is what you pay out of pocket before your benefits kick in. Hope this helps somewhat.
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