How do I determine the right network size (broad vs. narrow) for our team’s needs?

Choosing the right network size is about balance. A broad network offers more provider options but higher costs, while a narrower one keeps care coordinated, predictable, and affordable — especially when supported by easy access to primary care.

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Here’s how to decide what makes the most sense for your workforce:

• Understand your team’s demographics and locations: If your employees are spread across states or include remote workers, a broader network may be necessary for access and compliance. If your team is concentrated in a few regions, a narrow network often provides better care coordination and lower costs.

• Prioritize everyday care: Most employees use primary care, urgent care, and preventive services far more often than specialists. Plans centered on strong primary care access can meet most needs without a large, costly network.
• Balance choice with simplicity: Too many options can overwhelm employees. A high-quality, curated network, supported by virtual or in-home visits, typically leads to higher engagement and better outcomes.
• Use virtual and in-home care to expand access: Even with a smaller network, virtual and in-home options fill coverage gaps for remote or part-time employees, offering the flexibility of a broad network at a lower cost.
• Evaluate cost vs. value: Broad networks raise premiums but don’t always improve satisfaction. If out-of-network use is rare, a narrow network with strong primary care and mental health access delivers greater value.‍
• Consider pairing with ICHRA flexibility: An Individual Coverage Health Reimbursement Arrangement (ICHRA) lets employees select their own plan (broad or narrow) while employers reimburse tax-free. This offers flexibility without added administrative work.

Vitable makes network size less of a limiting factor. Every member gets $0 virtual and in-home visits, mental health support, and prescription access, ensuring care is always within reach. This allows employers to choose a narrower, more cost-efficient network while keeping access broad through Vitable’s platform.

A high-quality, narrow network paired with accessible primary care offers the best balance of cost, coverage, and convenience. When everyday care is easy and $0 to access, your team stays supported, no matter the network size.