A provider network is a list of the doctors, other health care providers, and hospitals that belong to a Preferred Provider Organization (PPO). Health plans often include access to a PPO network so that plan members have access to contracted providers. These providers are called “network providers” or “in-network providers.” A provider that hasn’t contracted with the PPO is called an “out-of-network provider.” Check your plan document or member ID card to see if your plan includes access to a provider network.