Pow rovlder neLworks vary As ?ou 8uy CosLller lans Scou Coulleb, Mu kelly 8. lunderburk 1he Amerlcan LnLerprlse lnsuLuLe !anuary 20, 2014 Analysls of Lhe Cbamacare rovlder neLworks: Pow rovlder neLworks vary As ?ou 8uy CosLller lans Cur MeLhodology We analyzed Lhe provlder neLworks avallable ln Lhe lowesL cosL bronze plans and Lhe hlgher cosL gold plans oered by AnLhem 8lueCross 8lueShleld ln markeLs where Lhe lnsurer oers boLh bronze and gold plans slde by slde. Cur goal was Lo compare Lhe neLworks avallable ln Lhe bronze versus gold oerlngs, Lo see lf Lhere was a dlerence ln Lhe slze of Lhe neLwork avallable Lo consumers who purchased Lhe cosLller plans ln addluon, we conducLed a slmllar analysls for Pumana plans across a selecLed number of markeLs where Lhe lnsurer oers boLh bronze and plaunum plans. Cnce agaln, our goal was Lo compare Lhe slze of Lhe provlder neLwork avallable Lhrough Lhe low cosL bronze plan compared Lo Lhe provlder neLwork avallable ln Lhe hlghesL cosL plaunum plan. Cur goal was Lo see lf Lhe slze of Lhe neLwork lncreased as consumers spenL more premlum money Lo buy cosLller coverage. Analysls of Lhe Cbamacare rovlder neLworks: Pow rovlder neLworks vary As ?ou 8uy CosLller lans Cur llndlngs We found LhaL for bronze, gold, and plaunum plans oered by Lhe same lnsurer, ln Lhe same markeL, Lhe provlder neLworks were ldenucal. ln mosL cases, Lhe drug formularles were also ldenucal. 1here was no varlauon ln Lhe quallLy of Lhe neLworks or beneLs when comparlng across Lhe dlerenL klnds of meLal opuons wlLhln a glven plan oerlng. 1hese comparlsons were for a glven qualled healLh plan producL. ln oLher words, Lhe lack of varlauon was observed when you looked aL Lhe provlder neLworks for a glven PMC or C producL, and compared Lhe bronze, gold, and plaunum plans across LhaL parucular healLh plan oerlng. 1here was more varlauon when you compared beLween a parucular lnsurers dlerenL producL Lypes (for example, a 8lue Cross 8lue Shleld PMC compared Lo lLs C producL, or dlerenL PMC producLs compared Lo each oLher). Powever, ln many markeLs, such a cholce of producLs does noL exlsL. As a resulL, Lhe only maLerlal dlerence beLween dlerenL meLal opuons wlLhln Lhe same plan, oered by Lhe same lnsurer, ln Lhe same markeL, was Lhe cosL sharlng sLrucLure. 8y paylng hlgher premlums, consumers are able Lo reduce Lhe amounL of Lhelr ouL of pockeL llablllues and lower Lhelr deducuble. ln eecL, you are fronung a hlgher premlum Lo buy down your expecLed ouL of pockeL cosLs. 8uL you Lyplcally can'L geL access Lo a beuer neLwork of provlders, or drug beneL, by chooslng a plaunum opuon over a bronze opuon wlLhln a glven qualled healLh plan oered by an lnsurer ln each parucular markeL. CardlologlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': -#940',';0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': -#940',';0("( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 216 216 k? !eerson 730,828 194 194 nP Plllsborough 402,922 73 73 CC Ll aso 644,964 38 38 ln Marlon 918,977 74 74 ML Cumberland 283,921 48 48 nv Clark 2,000,739 100 100 CP Cuyahoga 1,263,111 260 260 Wl Mllwaukee 933,203 100 100 vA lalrfax 1,081,726 370 370 MC SL. Louls 318,172 99 99 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': A.2',';0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': A.2',';0("( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 33 33 k? !eerson 730,828 32 32 nP Plllsborough 402,922 14 14 CC Ll aso 644,964 22 22 ln Marlon 918,977 27 27 ML Cumberland 283,921 23 23 nv Clark 2,000,739 33 33 CP Cuyahoga 1,263,111 36 36 Wl Mllwaukee 933,203 97 97 vA lalrfax 1,081,726 19 19 MC SL. Louls 318,172 24 24 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders CncologlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': A9"3'*$40("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': A9"3'*$40("( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 93 93 k? !eerson 730,828 262 262 nP Plllsborough 402,922 93 93 CC Ll aso 644,964 42 42 ln Marlon 918,977 74 74 ML Cumberland 283,921 63 63 nv Clark 2,000,739 43 43 CP Cuyahoga 1,263,111 166 166 Wl Mllwaukee 933,203 139 139 vA lalrfax 1,081,726 143 143 MC SL. Louls 318,172 193 193 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders CrLhopedlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': B$97#"',';0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': B$97#"',';0("( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 33 33 k? !eerson 730,828 104 104 nP Plllsborough 402,922 21 21 CC Ll aso 644,964 32 32 ln Marlon 918,977 34 34 ML Cumberland 283,921 17 17 nv Clark 2,000,739 39 39 CP Cuyahoga 1,263,111 90 90 Wl Mllwaukee 933,203 19 19 vA lalrfax 1,081,726 13 13 MC SL. Louls 318,172 18 18 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders uermaLologlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': A>C@D6( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': A>C@D6( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 319 319 k? !eerson 730,828 328 328 nP Plllsborough 402,922 107 107 CC Ll aso 644,964 87 87 ln Marlon 918,977 98 98 ML Cumberland 283,921 60 60 nv Clark 2,000,739 118 118 CP Cuyahoga 1,263,111 189 189 Wl Mllwaukee 933,203 93 93 vA lalrfax 1,081,726 133 133 MC SL. Louls 318,172 132 132 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders CbsLeLrlcs-CynecologlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': @#("9'$."$9',';0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': @#("9'$."$9',';0("( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 130 130 k? !eerson 730,828 93 93 nP Plllsborough 402,922 41 41 CC Ll aso 644,964 23 23 ln Marlon 918,977 71 71 ML Cumberland 283,921 29 29 nv Clark 2,000,739 17 17 CP Cuyahoga 1,263,111 134 134 Wl Mllwaukee 933,203 66 66 vA lalrfax 1,081,726 112 112 MC SL. Louls 318,172 30 30 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders CasLroenLerologlsLs Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': )$40#"9020#.( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': )$40#"9020#.( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 443 443 k? !eerson 730,828 448 448 nP Plllsborough 402,922 177 177 CC Ll aso 644,964 122 122 ln Marlon 918,977 617 617 ML Cumberland 283,921 102 102 nv Clark 2,000,739 136 136 CP Cuyahoga 1,263,111 462 462 Wl Mllwaukee 933,203 124 124 vA lalrfax 1,081,726 409 409 MC SL. Louls 318,172 247 247 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders edlaLrlclans Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': )907#9/ -#9$ )3/(020#.( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': )907#9/ -#9$ )3/(020#.( <.(+9$9=( @',4 ),#. C1 lalreld 933,833 942 942 k? !eerson 730,828 788 788 nP Plllsborough 402,922 307 307 CC Ll aso 644,964 236 236 ln Marlon 918,977 1492 1492 ML Cumberland 283,921 233 233 nv Clark 2,000,739 260 260 CP Cuyahoga 1,263,111 697 697 Wl Mllwaukee 933,203 247 247 vA lalrfax 1,081,726 863 863 MC SL. Louls 318,172 477 477 uaLa ls for AnLhem 8lueCross 8lueShleld and compares Lhe lnsurers aLhway x" 8ronze plans oered ln Lhese markeLs wlLh lLs Cold plan oered each markeL. We chose Lhe AnLhem plans because Lhey are generally consldered one of Lhe beuer lnsurance producLs belng oered nauonally ln Lhe Cbamacare exchanges, Lhey operaLe plans ln many sLaLes, and Lhey provlde beuer Lransparency around Lhelr plans Lhan many compeuLors - maklng comparlsons beLween Lhelr plans easler. We focused on Lhe mosL populous counLy ln each sLaLe Lo provlde Lhe besL opporLunlLy for Lhe plan Lo have compeuuve access Lo a large number of provlders rlmary Care hyslclans Avallable ln a 8ronze versus Cold lan 1he Lxperlence of AnLhem 8lueCross 8lueShleld !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': @$.$9#, )9#252$ )3/(020#.( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': @$.$9#, )9#252$ )3/(020#.( <.(+9$9=( ),#5.+7 ),#. AL !eerson 660,009 367 367 AZ Marlcopa 3,942,169 191 191 lL Mlaml-uade 2,391,033 84 84 CA lulLon 977,773 21 21 lL Cook 3,231,331 210 210 Ml Wayne 1,792,363 69 69 MS Plnds 248,643 98 98 u1 SalL Lake 1,063,842 42 42 1x Parrls 4,233,700 187 187 Ceneral racuce hyslclans Avallable ln a 8ronze versus launum lan 1he Lxperlence of Pumana We analyzed Lhe provlder neLworks avallable ln bronze versus plaunum plans oered by healLh lnsurer Pumana across nlne selecLed markeLs where Pumana ls operaung boLh bronze and plaunum plans. We chose Pumana because Lhe lnsurer operaLes ln many sLaLes, and has also chosen Lo operaLe plaunum plans ln many of Lhose markeLs. !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': <."$9.0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': <."$9.0("( <.(+9$9=( ),#5.+7 ),#. AL !eerson 660,009 238 238 AZ Marlcopa 3,942,169 73 73 lL Mlaml-uade 2,391,033 129 129 CA lulLon 977,773 17 17 lL Cook 3,231,331 212 212 Ml Wayne 1,792,363 67 67 MS Plnds 248,643 30 30 u1 SalL Lake 1,063,842 41 41 1x Parrls 4,233,700 129 129 lnLernlsLs Avallable ln a 8ronze versus launum lan 1he Lxperlence of Pumana We analyzed Lhe provlder neLworks avallable ln bronze versus plaunum plans oered by healLh lnsurer Pumana across nlne selecLed markeLs where Pumana ls operaung boLh bronze and plaunum plans. We chose Pumana because Lhe lnsurer operaLes ln many sLaLes, and has also chosen Lo operaLe plaunum plans ln many of Lhose markeLs. !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': )$40#"9020#.( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': )$40#"9020#.( <.(+9$9=( ),#5.+7 ),#. AL !eerson 660,009 137 137 AZ Marlcopa 3,942,169 33 33 lL Mlaml-uade 2,391,033 78 78 CA lulLon 977,773 1 1 lL Cook 3,231,331 98 98 Ml Wayne 1,792,363 106 106 MS Plnds 248,643 73 73 u1 SalL Lake 1,063,842 11 11 1x Parrls 4,233,700 103 103 edlaLrlclans Avallable ln a 8ronze versus launum lan 1he Lxperlence of Pumana We analyzed Lhe provlder neLworks avallable ln bronze versus plaunum plans oered by healLh lnsurer Pumana across nlne selecLed markeLs where Pumana ls operaung boLh bronze and plaunum plans. We chose Pumana because Lhe lnsurer operaLes ln many sLaLes, and has also chosen Lo operaLe plaunum plans ln many of Lhose markeLs. !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': -#940',';0("( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': -#940',';0("( <.(+9$9=( ),#5.+7 ),#. AL !eerson 660,009 243 243 AZ Marlcopa 3,942,169 196 196 lL Mlaml-uade 2,391,033 143 143 CA lulLon 977,773 39 39 lL Cook 3,231,331 233 233 Ml Wayne 1,792,363 63 63 MS Plnds 248,643 38 38 u1 SalL Lake 1,063,842 23 23 1x Parrls 4,233,700 131 131 CardlologlsLs Avallable ln a 8ronze versus launum lan 1he Lxperlence of Pumana We analyzed Lhe provlder neLworks avallable ln bronze versus plaunum plans oered by healLh lnsurer Pumana across nlne selecLed markeLs where Pumana ls operaung boLh bronze and plaunum plans. We chose Pumana because Lhe lnsurer operaLes ln many sLaLes, and has also chosen Lo operaLe plaunum plans ln many of Lhose markeLs. !"#"$ &'(" )'*+,'+( -'+."/ 0. 1#23 !$,$2"$4 !"#"$ -'+."/ )'*+,#5'. 6+78$9 ': A>C@D6( <.(+9$9=( >9'.?$ ),#. 6+78$9 ': A>C@D6( <.(+9$9=( ),#5.+7 ),#. AL !eerson 660,009 91 91 AZ Marlcopa 3,942,169 139 139 lL Mlaml-uade 2,391,033 163 163 CA lulLon 977,773 170 170 lL Cook 3,231,331 206 206 Ml Wayne 1,792,363 84 84 MS Plnds 248,643 39 39 u1 SalL Lake 1,063,842 36 36 1x Parrls 4,233,700 143 143 CbsLeLrlclans/CynecologlsLs Avallable ln a 8ronze versus launum lan 1he Lxperlence of Pumana We analyzed Lhe provlder neLworks avallable ln bronze versus plaunum plans oered by healLh lnsurer Pumana across nlne selecLed markeLs where Pumana ls operaung boLh bronze and plaunum plans. We chose Pumana because Lhe lnsurer operaLes ln many sLaLes, and has also chosen Lo operaLe plaunum plans ln many of Lhose markeLs.