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Since the network operators launched LTE networks, it's become a little easier. All LTE networks in the U.S. are built using GSM technology, so newer Sprint and Verizon LTE-enabled handsets include a SIM card and may work on all GSM networks, big and small.
In the U.S., AT&T and T-Mobile use GSM while Verizon and Sprint use CDMA â and the technology your phone was built to work with limits the networks it will work on. Though this isn't make-or-break for an MVNO network like Straight Talk, you'll need to figure out what kind of phone you have to get appropriately set up.