What is a provider network?

A provider network is a group of healthcare providers, such as doctors, hospitals and other healthcare providers, that contract with a health insurance plan. In Hawaii, the law requires that any health insurance plans offered to individuals and small groups include a provider network of healthcare providers. The purpose of requiring a provider network is to ensure that health insurance plans have a sufficient number of healthcare providers available to insured individuals in order to ensure that they can access quality care in a timely manner. Additionally, provider networks help health insurers negotiate lower rates with healthcare providers, which in turn helps to keep costs down. Provider networks are an important component of health insurance law in Hawaii, and they are required in order to ensure that all Hawaiian residents have access to quality healthcare.

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