What is one potential benefit of having in-network coverage?

One potential benefit of having in-network coverage is that it typically results in lower costs due to agreements between healthcare providers and insurers. When a patient uses healthcare providers that are part of their insurance network, these providers have negotiated rates with the insurer. As a result, patients often enjoy reduced fees for services, such as lower copayments and deductibles. This financial arrangement helps make healthcare more affordable for those using in-network services, allowing patients to receive necessary care without incurring excessive out-of-pocket costs.

Other choices do not accurately capture the advantages of in-network coverage. For instance, higher out-of-pocket expenses would not be a benefit but rather a drawback. Guaranteed coverage for all services is also misleading as not every service may be covered regardless of whether a provider is in-network. Similarly, reduced quality of care does not align with the intention of in-network coverage; rather, it aims to maintain a standard of care while ensuring cost efficiency.