What is the definition of When Insurance Is Out Of Network?

"When insurance is out of network, you're like, 'Oh no! My pet goldfish is missing, and I need a miracle to get it back without a doctor's visit, but the nearest clinic is 5 hours away and charges a fortune for a fish specialist!'"

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Here's an edgy example sentence: "After my cat got hit by a speeding truck and required a lifetime supply of 'how to fix a broken bone' for a tiny feline fracture, I decided insurance was out of network, and so I embarked on a DIY adventure to save my pet from the clutches of reality."