Ambetter contracts with providers for the full range of covered benefits. These providers are called in-network providers. Throughout the year, the providers available in-network may change. It is important that you review the provider directory for the latest information on whether or not the provider you are planning to see is in-network.* If a provider does not accept Ambetter insurance, they are referred to as out-of-network. If you receive non-emergency services from an out-of-network provider, you may be responsible for the entire cost of the medical bill, unless otherwise required by state or federal regulations. To take full advantage of your Ambetter coverage, it is important to only use in-network providers. For more information, please review your Evidence of Coverage (EOC) or contact Member Services.