Why is network size an important factor when choosing a plan?

• A. Network size determines the total annual premium.
• B. Network size affects access to preferred doctors and hospitals.
• C. Network size only affects emergency services.
• D. Network size is irrelevant to plan choice.

Answer: (B)

Network size determines how many doctors, hospitals, and other providers are available to you at the plan’s negotiated prices. A larger network means you’re more likely to find your preferred doctors and local hospitals in-network, which keeps costs down and makes it easier to receive care without switching providers. A smaller network can limit choices, potentially forcing you to switch doctors or pay higher out-of-network rates when your regular providers aren’t covered. Because access to your regular care team and convenient facilities is a big part of plan value, network size is an important factor when choosing a plan.