![]() ![]() ![]() Similarly, one-third of seniors with Medicare Advantage-Medicare plans sold through private insurers-had less than 30 percent of the physicians in the Medicare enrollee's county participating, according to a 2017 report by the Kaiser Family Foundation.Įmployers offer them, too, particularly larger companies. One in 5 plans sold on the Affordable Care Act health exchanges have fewer than 25 percent of the physicians in the local area participating, according to a 2017 University of Pennsylvania analysis. Whether you buy your own health insurance, get it through your employer, or are on Medicare, you may encounter a narrow network option. Premiums for such plans cost 16 percent less on average than plans with broad networks, according to a 2017 study in the journal Health Affairs of health insurance plans sold on the individual health insurance market. Still, narrow network plans can be significantly cheaper. The most restrictive plans have less than 10 percent of local doctors signed on.īy contrast, plans with broad networks are likely to have upwards of 70 percent of local providers participating. While narrow networks are not strictly defined, the plans often have 25 percent or less of the physicians in the local area participating. That in turn can keep down the premiums consumers pay. Known as narrow network plans, insurers that offer these work with a smaller pool of doctors, hospitals, and treatment centers, who agree to a lower price for services with the expectation that they will get greater patient volume. Insurers and employers that provide healthcare coverage to workers are increasingly offering plans that give you a limited choice of healthcare providers in exchange for lower premiums. When you're choosing a health insurance plan, there is an important factor to consider in addition to cost: whether you will have access to the doctors you currently see or may need to see in the future. ![]()
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