Some confusion/clarification related to Healthcare:
Preferred Provider List:
There are 2 tiers of in-network doctors: Tier 1 (waives the normal $15 co-pay) and Tier 2 (normal $15 co-pay is charged). The only difference is whether the co-pay is waived or not.
To find out if a doctor is Tier 1 or Tier 2, link to the Anthem search-page of doctors or UnitedHealthcare search-page
Site-of-Service:
This is a little trickier. When lab work or radiological imaging is needed, the insurance plan wants to push this work to "non-hospital" sites when practical. This means, if you need an MRI or blood work