A provider who doesn't have a contract with your plan to provide services. If your plan covers out-of-network services, you'll usually pay more to see an out-of-network provider than an in-network provider (or preferred provider). Out-of-network providers may also be called "non-preferred" or "non-participating." If your plan doesn't cover an out-of-network service, you may be responsible for arranging payment with the provider directly for the full cost of the care.