• Menu
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

Before Header

  • About Us
  • Lexicon
  • Contact Us
  • Our Store
  • ↑
  • ↓
  • ←
  • →

Balloon Juice

Come for the politics, stay for the snark.

Tide comes in. Tide goes out. You can’t explain that.

They think we are photo bombing their nice little lives.

There is no right way to do the wrong thing.

Usually wrong but never in doubt

“What are Republicans afraid of?” Everything.

When I decide to be condescending, you won’t have to dream up a fantasy about it.

rich, arrogant assholes who equate luck with genius

The arc of history bends toward the same old fuckery.

…and a burning sense of injustice to juice the soul.

The republican caucus is covering themselves with something, and it’s not glory.

No offense, but this thread hasn’t been about you for quite a while.

Some judge needs to shut this circus down soon.

I’d hate to be the candidate who lost to this guy.

Republicans: slavery is when you own me. freedom is when I own you.

Narcissists are always shocked to discover other people have agency.

It’s pointless to bring up problems that can only be solved with a time machine.

If you are still in the gop, you are either an extremist yourself, or in bed with those who are.

Balloon Juice has never been a refuge for the linguistically delicate.

Come on, media. you have one job. start doing it.

Russia bombs Ukraine’s maternity hospitals; Republicans in the House can’t sort out supporting Ukraine.

No one could have predicted…

The Giant Orange Man Baby is having a bad day.

So it was an October Surprise A Day, like an Advent calendar but for crime.

Give the craziest people you know everything they want and hope they don’t ask for more? Great plan.

Mobile Menu

  • Four Directions Montana
  • Donate with Venmo, Zelle & PayPal
  • Site Feedback
  • War in Ukraine
  • Submit Photos to On the Road
  • Politics
  • On The Road
  • Open Threads
  • Topics
  • COVID-19 Coronavirus
  • Authors
  • About Us
  • Contact Us
  • Lexicon
  • Our Store
  • Politics
  • Open Threads
  • 2024 Elections
  • Garden Chats
  • On The Road
  • Targeted Fundraising!
You are here: Home / Anderson On Health Insurance / Restrictive plan types are not the same as narrow networks

Restrictive plan types are not the same as narrow networks

by David Anderson|  December 13, 20186:32 am| 4 Comments

This post is in: Anderson On Health Insurance

FacebookTweetEmail

Avalere is a health care consulting firm. They do really good work that informs both policy makers and the public. They just released an ACA study where their language conflates two distinctive concepts.

The number of providers in a network is not directly tied to the restrictiveness of the plan type.

New analysis from Avalere finds that health plans with more restrictive networks, including health maintenance organizations (HMOs) and exclusive provider organizations (EPOs), continue to be the most common types of plans in the exchange market, with 72% of the 2019 market comprised of such plans. The remaining plans are Preferred Provider Organizations (PPO) and Point of Service (POS) plans, which tend to offer comparatively broader coverage.

“Provider networks are getting narrower, which means it is more important than ever that patients understand what kind of plans they are buying,” said Chris Sloan, director at Avalere. “Unknowingly enrolling in a narrow network plan could lead to patients being unable to see their preferred doctor or go to their most convenient hospital.”

Narrow or broadness refers to the number of providers in a network.

Restrictiveness refers to gate keeping and out of network benefit structures.

These are two very different concepts.

We’ve looked at the in and out of network benefit and gatekeeper structures of the different plan types before:

Avalere’s first graphic makes a very good point that plan designs are moving towards more restrictive plans (HMO/EPO).

This is very valuable information. This is a good description of the reality on the ground. Insurers want more control over costs which means more control on which doctors and hospitals their policy holders use.

However an HMO is not necessarily a narrow network with few doctors in it. An HMO can be a narrow network. An HMO can also having a hundred hospitals and ten thousand doctors in network.

A PPO is not necessarily a broad network with every doctor around in it. It can be a narrow network.

Plan type does not dictate network size or breadth.

There may be correlations in network size and restrictiveness but there is not a requirement that a PPO be a broad network and an HMO be a narrow network.

Penn LDI’s Dan Polsky, Janet Weiner and Yuehan Zhang looked at the number of providers in networks through 2017.

This Issue Brief describes the breadth of physician networks on the ACA marketplaces in 2017. We find that the overall rate of narrow networks is 21%, which is a decline since 2014 (31%) and 2016 (25%). Narrow networks are concentrated in plans sold on state-based marketplaces, at 42%, compared to 10% of plans on federally-facilitated marketplaces.

They are looking into the question of how many doctors and hospitals are available to patients. That is a very different question than the one that Avalere is answering which is how many hoops do patients have to jump through.

It is a subtle difference but it is a difference worth teasing out.

FacebookTweetEmail
Previous Post: « On the Road and In Your Backyard
Next Post: Fables of the Great Negotiator »

Reader Interactions

4Comments

  1. 1.

    Mrs. D. Ranged in AZ

    December 13, 2018 at 10:55 am

    Ugh, the stupid Marketplace app is SO unwieldy!!!! I typically just enroll my son but I wanted to see if I could afford a plan for both of us so I entered us both as seeking coverage. Got to the plans and realized there was no way I could afford even the crappy Bronze plan so I wanted to remove myself from the application, which would probably cut the premium in half but the stupid website won’t let me. Once you’ve completed the eligibility/application part it won’t let you go back and edit it. So I tried to remove it and got an error that said it wasn’t removed, to log out, wait 30 minutes and try again. At this rate, I’ll go without insurance another year because of how expensive plans are and my son will go without because the website is a piece of crap.

    Also, David or anyone, how are these plans much better than a catastrophic plan? Seriously. The cheapest plan available to me had a $7,900 individual deductible so I’d still be paying full price for my prescriptions and I can’t tell from the info whether my prescription costs would even count towards said deductible. So the only reason I would have the policy is in case of something catastrophic. It won’t help me with anything typical.

    BTW, I’m in that sweet spot you discussed a week or two ago where I make too much for assistance but still cannot afford a decent plan.

  2. 2.

    Mrs. D. Ranged in AZ

    December 13, 2018 at 11:23 am

    After a 15 minute wait for assistance, I received help from Customer Support. I was able to remove myself from the app. Still am wondering about how a Bronze plan or any plan with a high deductible is any better than a regular catastrophic plan though.

  3. 3.

    Yarrow

    December 13, 2018 at 11:48 am

    @Mrs. D. Ranged in AZ:

    I’d still be paying full price for my prescriptions

    In case you aren’t already familiar with it, you can use GoodRx, which is sort of a free prescription discount service online. You just put in your prescription and location and it gives you the cost at pharmacies near you. It has always been close in price to what my prescription plan has offered. It’s worth a look rather than just paying full price at the pharmacy.

    Of course that money doesn’t go to any deductible or anything, but at least it’s not full price.

  4. 4.

    Elizabelle

    December 13, 2018 at 4:16 pm

    @Yarrow: I’ve used GoodRx, and it’s a marvelous help.

    Le sigh. I just signed up for a Marketplace plan. I am looking at it as “asset protection plan” rather than much in the way of actual healthcare — although I believe a physical and a little more is covered before you hit the deductible. Which might be enough, since I don’t require much care.

    Signed up mainly to protect my financial assets, which would disappear in event of cancer or another catastrophe.

    Is this a great country or what?

Comments are closed.

Primary Sidebar

Recent Comments

  • NotMax on Wednesday News Roundup, A Little Late (Apr 17, 2024 @ 11:20pm)
  • YY_Sima Qian on War for Ukraine Day 785: Chernihiv Attacked! (Apr 17, 2024 @ 11:19pm)
  • Ruckus on I Am All For This! (Apr 17, 2024 @ 11:15pm)
  • YY_Sima Qian on War for Ukraine Day 785: Chernihiv Attacked! (Apr 17, 2024 @ 11:11pm)
  • YY_Sima Qian on War for Ukraine Day 785: Chernihiv Attacked! (Apr 17, 2024 @ 11:10pm)

🎈Keep Balloon Juice Ad Free

Become a Balloon Juice Patreon
Donate with Venmo, Zelle or PayPal

Balloon Juice Posts

View by Topic
View by Author
View by Month & Year
View by Past Author

Balloon Juice Meetups!

All Meetups
Talk of Meetups – Meetup Planning
Proposed BJ meetups list from frosty

Fundraising 2023-24

Wis*Dems Supreme Court + SD-8
Virginia House Races
Four Directions – Montana
Worker Power AZ
Four Directions – Arizona
Four Directions – Nevada

Featuring

Medium Cool
Artists in Our Midst
Authors in Our Midst
Positive Climate News
War in Ukraine
Cole’s “Stories from the Road”
Classified Documents Primer

Calling All Jackals

Site Feedback
Nominate a Rotating Tag
Submit Photos to On the Road
Balloon Juice Mailing List Signup
Balloon Juice Anniversary (All Links)
Balloon Juice Anniversary (All Posts)

Fix Nyms with Apostrophes

Balloon Juice for Ukraine

Donate

Twitter / Spoutible

Balloon Juice (Spoutible)
WaterGirl (Spoutible)
TaMara (Spoutible)
John Cole
DougJ (aka NYT Pitchbot)
Betty Cracker
Tom Levenson
David Anderson
Major Major Major Major
ActualCitizensUnited

Political Action 2024

Postcard Writing Information

Balloon Juice for Four Directions AZ

Donate

Balloon Juice for Four Directions NV

Donate

Site Footer

Come for the politics, stay for the snark.

  • Facebook
  • RSS
  • Twitter
  • YouTube
  • Comment Policy
  • Our Authors
  • Blogroll
  • Our Artists
  • Privacy Policy

Copyright © 2024 Dev Balloon Juice · All Rights Reserved · Powered by BizBudding Inc

Share this ArticleLike this article? Email it to a friend!

Email sent!