Member Services
(866) 597-NANP(6267)
Q: Is this health insurance?
A: National Association for
Network Pricing (NANP) is a well-established group association; Membership
in the association provides a variety of health savings and benefits.
Membership in NANP is NOT a health insurance policy. By becoming a Member of
NANP, you have access to
a system of
established networks so you receive discounted fees on dentists, prescription drugs,
vision care, chiropractors and alternative health care providers, as well as
reduced contracted rates from doctors and other medical facilities
plus case-by-case negotiation provided by your own
personal CARE Case Manager. As a
Member, you also receive other benefits and savings that are described in
greater detail on this website.
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Q: I've noticed
other similar programs -- how is NANP different?
A: Most plans that seem to look
like NANP are nothing more than a discount program only offering
pre-negotiated discounts when seeing a network provider. With NANP's
CARE program, you will be assigned a personal Case Manager that will work
for your best benefit on a case by case basis.
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Q: How much
extra does it cost to put my dependents on the program?
A: Unless specifically noted,
the monthly Membership fees listed on our website includes the Primary
Member, a spouse, and children up to the age of 19. The Maximum age is
extended to attained age 24 for Member's children who are full-time students
in a recognized college or university. Member's children shall also include
any child under twenty-six (26) years of age who does not meet the
qualifications above but for whom NANP has approved membership on a
dependent status basis. Benefits provided under the Medical Accident Benefit
cease when the member and or the member's spouse attains age 70 and when a
dependent child attains age 23.
For common law marriages, a common law spouse can be included on the Primary Member's plan if the state in which you reside acknowledges common law marriages.
Benefits provided under the Medical Accident
Benefit cease when the member and or the member's spouse attain age 70 and
when a dependent child attains age 18 (23 if a full-time student).
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Q: Do I have to
sign a contract to receive my benefits?
A: There is no long-term
contract to sign when you become a Member of NANP. Payment of the one-time
enrollment fee and your first month's Membership entitles you to receive
your Membership Card and all of the benefits it provides. If you find within
30 days that you are not satisfied with the benefits, you may request a full
refund. Otherwise, you will be charged monthly for your Membership. You may
cancel at any time.
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Q: How do I
make my monthly payments?
A: Monthly payments are made
either by
electronic check from your checking account. Quarterly, Semi-Annual and
Annual payments may be billed. You may change your method of
payment at any time.
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Q: When can I
start using my benefits?
A: You can begin to use your
benefits as soon as you receive your NANP Membership Card. When you
enrolled, you requested either a 1st or 15th effective date. The Card
and your Member Handbook describing all benefits and the procedures to use
them will be sent to you by US Mail within 7 - 10 business days after your
effective date.
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Q: If I call a
provider listed in the network, will they be familiar with NANP?
A: Because doctors and other
providers have contracted with a number of networks, they may not always be
familiar with the procedures of a specific network. Also, most providers
will not be familiar with the NANP name because they have contracted with
the network itself, not with NANP. If you have a question about a provider
being on the network and accepting your NANP Card, NANP is there to help.
All of the information a provider needs to confirm your Membership and
determine your fee is printed on your NANP Card, and if there is any
question, a quick call to Member Services will provide the answer.
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Q: How much can
I expect to save?
A: The contracted rates extended
by participating providers are based on many factors; including your
geographic location, the type of facility you receive services from, the
nature of services received, and the provider's previously agreed upon fee
for those services.
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Q: If I'm
already being treated for something and the doctor is a provider in the
network, will I still be able to receive the contracted rates?
A: As soon as you receive your
NANP Membership Card, you can begin to utilize the savings from any provider
in the network. You will receive your health benefits and savings right
away, regardless of your previous health history.
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Q: Will the doctor bill
me for services provided?
A: To receive the contracted
rate for services from a provider, you must pay the amount due at the time
of service. The billing department will call the telephone number on your
NANP Card to verify your Membership, and access the contracted rate for
services rendered. You are responsible to pay that amount at that time.
The exception to this may be hospitals or other medical facilities that have
a billing office located elsewhere -- in this case, the facility may send
you a copy of the original bill that will also be sent to NANP; once the
services performed are repriced at the contracted rate, an adjusted billing
will be sent to you.
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Q: Can I
cancel my health insurance policy and use this instead?
A: This is NOT an insurance
policy, or a replacement for health insurance. We recommend that everyone
have a health insurance policy that provides coverage in the event of a
catastrophic illness.
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Q: Why do
doctors and other providers want to participate in this type of program?
A: With patients who use their
health insurance to pay for services, physicians and other providers who
accept insurance as payment often have to wait 30, 60, 90 days or more to
receive payment -- and this payment is a lower amount than what you are
billed as a patient. In addition, there are forms to file and a lot of 'red
tape' required.
By becoming a provider in a network that offers contracted rates, a provider
has the opportunity to acquire more patients, increase their practice, and
get paid for services at the time they are performed. It's a win-win
situation for both the provider and the patient.
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Q: If I move
or am traveling to another state, can I still use my benefits?
A: You can use your benefits
when you travel or move to another state -- if you move to another address,
contact NANP Member Services to inform them of your change of address. If
you are traveling, be sure to utilize the Travel Assistance Program.
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Q: My
employer is providing me with the NANP Membership -- what happens if I leave
the company?
A: Another great aspect of the
NANP Membership is that it is portable -- that is, if your current employer
is providing it as a benefit and you leave your job, you can easily transfer
the Membership to an individual one with no transfer fee, no interruption in
your benefits, and no increase in your monthly payment! Simply inform NANP
Member Services, and they will transfer your Membership.