This checklist is designed to help advocates and consumers understand who makes decisions about private insurance in their states. It suggests questions to ask the insurance department, state legislators, and others.
Communities of color continue to face a limited availability of health care providers and facilities. By including at minimum these seven features in their provider networks, insurers can help consumers in communities of color gain access to timely, high-quality, language-accessible, culturally competent health care.
This slideshow lays out a basic explanation of what comprises an adequate network. It also describes the first-ever federal standards for network adequacy and the burgeoning number of state regulations in place to enforce them.
In this first installment of our “Two Takes” column occasional series, two of our experts who come from different perspectives—Caitlin Morris, who focuses on health system improvement, and Claire McAndrew, who focuses on private insurance reform and consumer protections—take on the tough questions surrounding this issue. How can we stop the unsustainable growth in health care costs if we allow consumers to continue receiving care from providers who don’t deliver good value? And on the other hand, how can we ensure that consumers can obtain adequate, timely, geographically accessible care if we further restrict their networks?