What does "restricted network" mean?

A "restricted network" refers to a healthcare network that has a limited number of providers available to policyholders. This means that individuals who hold insurance within this network must choose from a specific group of doctors, hospitals, and specialists when seeking care, often to receive the maximum benefits under their insurance plan. This structure is designed to control costs and promote quality care by managing provider relationships.

In contrast, a network with unlimited providers allows for a broader range of choices, often leading to higher healthcare costs. General insurance policies that are accessible to all providers typically do not have the restrictions that define a restricted network, allowing policyholders the freedom to visit any healthcare provider. A type of emergency care network does not specifically refer to limitations based on provider access but rather to the timely provision of emergency medical services. Thus, the concept of a restricted network is crucial for understanding how certain health insurance plans manage provider access and cost containment.