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How is a network used by insurance companies?

A network is a group of providers with whom the insurance company has negotiated specific rates for specific services for plan members. These providers are called in-network providers. Any provider who has not contracted with the health insurance company is considered out-of-network. Services rendered out-of-network will either be covered at a much lower percentage or, as frequently occurs with HMOs, not covered at all. By and large, provider networks are generally utilized by PPOs, POS plans, and HMOs while Indemnity plans allow their policy holders to visit any provider at their discretion at the same level of coverage.

Individual and Family Plan FAQs

• Do I make payments directly to the insurance company?
• How do I know you are finding me the lowest premiums?
• How do I pick the best health insurance plan for me?
• How do I start my coverage?
• How is a network used by insurance companies?
• If I provide my personal information to Benepath, how do I know it is safe?
• Is there any obligation for me to buy an insurance plan once I have applied?
• What if I only want to insure my children?
• What is a co-payment?
• What is a deductible?
• What is a Health Maintenance Organization (HMO)?
• What is a Health Savings Account (HSA)?
• What is a Point of Service (POS) plan?
• What is a Preferred Provider Organization (PPO) plan?
• What is an Indemnity plan?
• What is coinsurance?
• What types of individual and family insurance plans does Benepath offer?
• Who do I contact if I need help?
• Why Benepath?
• Why will individual and family health insurance work for me?