What is a Narrow Network?

A narrow network is a health insurance plan design that limits the number of healthcare providers available to members in exchange for lower premiums. These plans typically include 25-50% fewer providers than traditional networks, focusing on cost-effective doctors and hospitals that agree to lower reimbursement rates. While narrow networks can significantly reduce premium costs, they may limit access to certain specialists or prestigious medical centers.

Why narrow networks matter

• Reduces premium costs: Offers more affordable insurance options by limiting provider choice
• Maintains quality standards: Often includes providers meeting specific quality and efficiency metrics
• Requires careful planning: Necessitates checking provider availability before enrollment

How Solace can help

A Solace advocate can help you evaluate narrow network plans, verify if your preferred providers participate, and understand the trade-offs between cost savings and provider access. Advocates can also assist with finding in-network specialists and navigating continuity of care provisions if you need to change plans.