What are provider networks? Provider networks are made up of doctors, other healthcare providers, pharmacies, and facilities who contract with insurance companies to become an " in-network ” provider., How do I get health insurance on my own? Individual policies If your employer does not offer health insurance, or if the insurance offered does not meet your needs, you may want to purchase an individual policy., If you are having a health emergency, you do not need to get permission to access emergency care. Health plans do not require permission or authorization for a sick or wellness visit with a primary care provider. Prior authorization from your insurance company is different from receiving a referral from a primary care doctor., Does health insurance cover preventive services? Yes. In fact, most health plans must cover a certain set of preventive services at no cost to you, when delivered by an in-network provider., Learn more. Health and wellness in formation. Most insurance company websites offer all kinds of education and helpful tips to help you stay healthy. Discounts. Many insurance companies offer health-related discounts to members. Check your plan’s website or call customer service to find out what’s available. 6/10/2024 Was this answer helpful?, What are narrow network plans? A narrow network plan refers to a health insurance plan with a smaller than usual, or “narrow,” provider network. In a narrow network plan, health insurance companies try to lower costs by working with a smaller number of providers and fewer in-network facilities..