Red Flags: What to Watch Out for with No-Network Health Plans

Posted November 13, 2025 by Anupreet Kaur, M.D., FAAFP, Medical Director, Care Management and Population Health

A no-network plan may sound appealing when you first hear about it. After all, you get to see any provider you want. No networks. No limits. There’s no downside, right? Not so fast. Plans like these can be packed with fine print. Enrolling without fully understanding all the stipulations that come along with the seemingly ideal coverage can leave you with some serious headaches. Here’s what you really need to know.

Red Flag 1: No Networks Can Mean No Savings

With regular plans that have a network, providers and pharmacies agree ahead of time to charge certain prices. This keeps costs lower for you. But with no-network plans, providers don’t have to give you a discount. That means you might end up paying significantly more—even for basic care. Imagine going in for a routine check-up and getting a bill that's double or triple what you expected. Ouch!

Red Flag 2: You Could Get Hit with Big Surprise Bills

When there's no network, there's no one checking prices behind the scenes. So if a provider decides to charge double or triple the usual rate, there’s not much you can do about it. And if your plan says it will “reimburse” you later, you might find yourself chasing that money down for months. Surprise bills can be a huge financial burden, especially if you’re on a fixed income.

Red Flag 3: It’s All on You to Find Your Care

Network plans come with a list of trusted providers who already work with your plan. They’re easy to find, and you know what to expect. With no-network plans, you’re on your own. There’s no guide, no list and no backup. This can be especially challenging if you need specialized care or if you’re in an unfamiliar area. You might spend hours researching and calling around to find a provider who meets your needs.

Red Flag 4: No Coordination Means More Confusion

When your providers work within a network, they often share records, talk to each other and keep your care connected. Without a network, that connection breaks. One provider might not even know what the other is doing. This lack of coordination can be risky, especially if you have ongoing health needs or multiple conditions that require careful management. Miscommunication between providers can lead to errors in your care.

The Bright Side of Network Plans

We’re not just here to warn you—we’re here to help. Let’s look at why network plans are a smart move:

• Lower Costs: Thanks to pre-set rates, you’ll save money on your medical bills.
• Trusted Providers: You’ll have access to a list of providers who already work together and are trusted by your plan.
• Easier Care: With less guesswork, you can focus on getting the care you need without the hassle.
• Less Paperwork: More support means less time spent dealing with insurance forms and more time enjoying life.

Bottom Line

No-network plans may seem “free and easy,” but they can cost you more money, more stress and more time in the long run. If you're thinking about switching or choosing a plan, make sure it has a strong provider network—like us! We're here to help you stay healthy, covered and confident in your care.

Author:
Anupreet Kaur, M.D., FAAFP, Medical Director, Care Management and Population Health

SummaCare is an HMO and HMO-POS plan with a Medicare contract. Enrollment in SummaCare depends on contract renewal. H3660_SC1862_C 07242025.