Health insurance?

I have a question about Health insurance. Now i am applying for Anthem blue cross blue shield insurance and i have three options : Basic PPO, Network Copay Plan and Enhanced PPO . I think to choose Enhanced PPO but I don't understand what is service inside Network and out of Network.
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In Network means you have to use specific doctors in the plan. Out of Network means The doctor is not in the network,to me it also means out of pocket money for them since your insurance will not pay for out of network doctors until you have met your deductible, and even then they pay a percentage say like 70 % for out of network, It's more costly to you. Stick with in Network to keep cots down. Go on their site to se if your doctors are listed in network or out of newtowrk. Good luck, I hope this helped. If not ask your benefit manager at work. It's their job to explain it to you. ENHANCED would be better by far if you can foot the extra cost of it. Usually about $20. to 40.00 more a moth for the betterone. Ok, Best luck!
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