dental
What's with Waiting Periods?
A detailed explanation of why dental plans have waiting periods, what you can do about it, and a way around them.
If you read our previous blog post "Carrier vs Network: What's the Difference? Part 1", you learned that your carrier refers to your insurance carrier (i.e. EMI Health), and your network is the list of doctors and facilities that are contracted with your carrier. In Part 2, you will learn about your network based on that state in which you live.
Care Plus
If you live in Utah and need in-state care, you will use EMI Health's Care Plus network. The Care Plus network offers exclusive access to the Intermountain Healthcare (IHC) system of hospitals and clinics. EMI Health contracts with additional hospitals, specialty clinics, and provider groups, bringing the total number of in-state providers to over 30,000.
To learn more about the Care Plus network, click here.
Aetna PPO
If you live in any state besides Utah or are a Utah resident who needs care out of state, you may have the Aetna PPO network. Aetna's network is known for its extensive provider network and high customer satisfaction ratings, offering members excellent nationwide coverage.
To learn more about the Aetna PPO network, click here.
Cigna PPO
Like the Aetna network, you may have the Cigna PPO network if you live in any state except Utah or are a Utah resident who needs care in another state. Cigna brings a robust network of healthcare professionals and facilities and a strong focus on preventive care and care coordination.
To learn more about the Cigna PPO network, click here.
Blue Cross Blue Shield of Arizona + First Health
If you live in Arizona, you may have Blue Cross Blue Shield of Arizona + First Health. If you need in-state care, Blue Cross Blue Shield offers access to over 20,000 providers and major healthcare systems like Mayo Clinic and HonorHealth.
If you need care outside of Arizona, utilize First Health's network of over 1 million providers and 5,000 hospitals nationwide.
To learn more about Blue Cross Blue Shield of Arizona + First Health, click here.
Additional Notes
*When you call your provider and they ask which insurance you have, they often mean what network you have. You can say that your carrier is EMI Health and utilizes [network name], the network listed on your ID card.
Where to find your network information?
Are you unsure which network you have? You can find network information in your plan summary or ID card, both of which you can access using your My EMI Health account.
If you need additional help understanding your network vs your carrier, head to info.emihealth.com to learn more. You can also contact our customer service team at 801-262-7475 or toll free at 800-662-5851.