Take advantage of in-network services. The fees for in-network services are typically set by your health plan administrator, which may offer you considerable savings over comparable out-of-network services. Additionally, the in-network deductible is generally half the amount of the out-of-network deductible and is waived for preventive care services received within your network. Finally, when using in-network services, the provider generally takes care of any required preauthorization and most paperwork, saving you time and money.