An individual who has automobile insurance from a certain company is randomly selected

Yes, this may vary by insurance company, but if you are purchasing the coverages individually on your own name it is more likely to be considered “in-network” or “out-of-network”. term life insurance generally does not require a network of doctors.
if you purchase term insurance policies individually on your own, then it will generally be some type of in-network or out of network. this means that the costs for co-payments at an urgent care facility or hospital would depend on how much flexibility your medical provider has with their individual provider acceptance guidelines. they might allow services to count towards the policy's deductible if paid by any insurer, but not accept them under certain circumstances or pay them slowly so as

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