Hello I hope you are all doing well. I am trying to decide between two health plans and I am completely lost. The Care provider is Atena and there are four plans they offer but I’ve already decided that the PPO plans are bettwe for me.
So one is called PPO 500 and the other is PPO 500 Plus (Narrow Network) the difference in price is something like $5.50 per month. Not a hole lot and I’ve been trying to find out what “Narrow network” means and it appears to mean that the insurance company will not cover outside of your coverage network.
However, in the plan they both say that they will cover out of network, at the exact same rate, I.E. They have the same deductable which is higher than in network. Which makes me think that “Narrow Network” means that they have certain doctors who agree to follow thier coverage, but there is a smaller set of those doctors who agree to follow the plus plan.
So am I correct about this? Or am I completely off? State isn’t important right this second since I am going to be moving within the year and honeslty I rather pay the extra $5.50 to have access to the whole network if that is indeed the case. I just can’t find anywhere it actually says that, and it doesn’t make any sense because they both cover out of network at the same cost.
submitted by /u/Cyansius
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Hello I hope you are all doing well. I am trying to decide between two health plans and I am completely lost. The Care provider is Atena and there are four plans they offer but I’ve already decided that the PPO plans are bettwe for me. So one is called PPO 500 and the other is PPO 500 Plus (Narrow Network) the difference in price is something like $5.50 per month. Not a hole lot and I’ve been trying to find out what “Narrow network” means and it appears to mean that the insurance company will not cover outside of your coverage network. However, in the plan they both say that they will cover out of network, at the exact same rate, I.E. They have the same deductable which is higher than in network. Which makes me think that “Narrow Network” means that they have certain doctors who agree to follow thier coverage, but there is a smaller set of those doctors who agree to follow the plus plan. So am I correct about this? Or am I completely off? State isn’t important right this second since I am going to be moving within the year and honeslty I rather pay the extra $5.50 to have access to the whole network if that is indeed the case. I just can’t find anywhere it actually says that, and it doesn’t make any sense because they both cover out of network at the same cost.
submitted by /u/Cyansius [link] [comments]Read Morer/HealthInsurance