What is the difference between network and out-of-network providers? How does this difference affect the total amount that I can expect to pay for services when using out-of-network providers? 

Network providers have a contract with UnitedHealthcare. Out-of-network providers do not have a contract. With APWU Health Plan, you have the flexibility to see any provider (in or out of the network) at the same cost share, as long as the provider has not opted out of Medicare and accepts the plan. Also, when you go out-of-network for care, the plan pays providers just as much as Medicare would have paid.