A nonparticipating provider $($nonPAR$)$ is an out$-$of$-$network provider who does not contract with the insurance plan, and patients who elect to receive care from non$-$PARs will incur higher out$-$of$-$pocket expenses. The patient $$ expected to pay the difference between the insurance payment and the provider's fee.

a$.$ is not

b$.$ is usually

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