Review the table on page 3 comparing in-network and out-of-network costs under the Standard Plan. Which statement is TRUE? Insurance plans encourage the use of out-of-network doctors by offering lower costs on most services they perform. Insurance plans encourage the use of out-of-network doctors by offering lower costs on most services they perform. Insurance plans encourage the use of in-network doctors by offering lower costs on most services they perform. Insurance plans encourage the use of in-network doctors by offering lower costs on most services they perform. The costs for in-network and out-of-network doctors are the same for ALL services they offer. The costs for in-network and out-of-network doctors are the same for ALL services they offer. Office visits, immunizations and annual physicals have the same costs for both in-network and out-of-network doctors.