AAM Phase 1 Practice Exam

What are network discounts?

Reduced premiums for in-network visits. Discounts on out-of-network services. Lower co-pays for in-network visits. Discounts for using in-network providers.

Correct Answer:

Discounts for using in-network providers.

Explanation:

Network discounts are savings negotiated between your health plan and providers who are in the plan’s network. When you use these in-network providers, they’ve agreed to a discounted rate with the insurer, so the billed amount is reduced and your out-of-pocket costs are based on that lower rate. This is why the description fits: discounts for using in-network providers. These discounts aren’t about premiums—the cost of having the plan itself—and they aren’t just lower co-pays, which are fixed amounts you pay for a visit. They also don’t apply to out-of-network services, which typically don’t carry the plan’s negotiated rates and can cost more.

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