this insurance co promises the world in terms of access. In real life that is hardly the case. None of the specialists I've worked with over the years on on this plan. At enrollment time I discussed this with the sales rep and was told that NHP is always trying to get new specialists, and I should just enroll and get my specialists on NHP's provider list.
What they sold me was a very different product. Time and again, I try to see one of my providers, only to find out they have left the network. When I ask my providers why this is, they state they lost so much money trying to get re-imbursment from NHP, and got such a low service rate that they HAD to leave the NHP network to remain solvent.
for just one example, I've been jumping through hoops for about 2 months now. I've had to ask both my PCP and my provider to do the same just to get an out-of -network approval for a service no other provider in my area offers. All i I get is more frustration and nickel and diming from NHP, and no resolution, while my provider gives me service free of charge till NHP makes a decision.
I'd say spring for the few extra bucks and go for a better plan if you can afford it. NHP is just a very restrictive HMO posing to be something better.
NHP provides another example of why we need President Obama's Health Care Plan.