•  2 PRIMARY FACTORS BUILD A HEALTH COVERAGE PACKAGE

  1.  The Network 

     •   The Network has pre-negotiated rates with different Doctors and Hospitals on your behalf as an insured. 

  2. The $$ Benefit or Payment that an Insurance Company pays for YOU

    Insurance Company (Payor)  +  Network (Pre-Negotiated Rates)  

        =Health Coverage

• Network Coverage REDUCTIONS will always take place as long as you are

 "IN Network"

• • Even if you need to satisfy a Deductible or there are no benefits($$) due 

from the Insurance Company.  (This is why the Network is so Important for Coverage)

• •  THE INSURED (YOU) will have less out of pocket going to an “In-Network” Doctor/Hospital

• • • PLANS with a higher deductibles have more "OUT OF POCKET EXPENSE" when an 

“Out of Network” provider is used