Check which doctors stay in network before you change carriers.
A provider disruption analysis compares where your employees get care with the networks you are considering. It shows how many would have to change doctors or hospitals if you move.
What to decide and where it connects
Compare Referral Rules
Referral rules change how disruptive a narrower network feels.
See the Two-Plan Option
Offering a broader plan alongside a narrower one can reduce disruption.
Read the Parent Guide
HMO vs PPO vs EPO for Michigan employers.
Questions about this topic
What is a provider disruption analysis?
It matches your employees’ current providers against a carrier’s network to count who would be out of network.
What data do we need?
The carrier’s provider directory data and where employees receive care. Claims reports help where available.
Does every renewal need one?
It matters most when the renewal involves moving carriers or moving to a narrower network.
Ready? Send us your renewal, or talk it through with someone first. General information, not legal or tax advice.
Where these details come from.
HealthCare.gov: Health insurance plan types: Plain-language comparison of HMO, PPO, EPO and POS.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
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