Who do enrollees obtain services from within a network of physicians and hospitals who have contracted with an insurance company?

Generally, members of a health plan are free to choose the provider that they wish to use when the provider is within the network. Keep in mind that it is the medical provider who/that is furnishing the services--not the network. The network is a separate commercial entity with which the health plan contracts.

Again, generally, an enrollee may go "out of network" in certain cases. This means that the health plan will pay for care despite the fact that the provider is not a member of the network. Often, the insurer will pay an "in-network" rate of reimbursement when there is no provider in the network who can provide the needed services--so the member has no alternative but to go out of network. The health plan will probably also provide that it will pay a lower rate of reimbursement if the member goes out of network by choice--when there is a network provider but the member opts not to use him.her.