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The term that refers to healthcare providers not part of a predetermined group within a health insurance plan is "Out-of-Network." When a provider is classified as out-of-network, it indicates that they do not have a contractual agreement with the health insurance company to provide services at negotiated rates. This often means that the costs for services rendered by these providers may be higher for the insured individual, as they might have to pay a larger share of the bill out of pocket compared to visiting an in-network provider, who typically offers services at a reduced rate due to their contractual arrangements.

In contrast, in-network providers have such agreements, resulting in lower costs for the insured. The terminology of "participating" and "authorized" also relates to providers that work within a network or have specific agreements with insurers, further distinguishing them from out-of-network providers who are not bound by such arrangements. Understanding these definitions is key in navigating health insurance plans and understanding the potential costs associated with different types of healthcare providers.