With our National Advantage Program, customers and their employees can save on medical claims through access to contracted rates for out-of-network benefits (NAP), application of reasonable charge criteria on out-of-network facility claims (FCR), and high-dollar in-network facility claims reviews (IBR). The National Advantage Program contributes to the stabilizing of overall medical cost trend.
Last year we announced changes to some of our ID cards and claims processes for members whose plans include Rental Networks and the National Advantage™ Program (NAP).
Effective January 1, 2009, we began adding logos of NAP vendors to member ID cards for plans using NAP in all states. This helps us to accommodate state legislation requiring network logos, and to more easily price claims based upon real-time provider data.
Here is some additional information:
ID card reissues
Please note: if a member is in a plan with a network, they may pay more to see an out-of-network doctor or facility (even with an NAP discount) than they would to seek care in-network. Coinsurance and deductible amounts are often higher for out-of-network services.