"One of the most critical factors an employer considers when deciding to change medical (or dental) carriers is network disruption. Improvement or deterioration in the network penetration rate can have a profound impact on the underpinnings of the program.... Disruption analyses are conducted by extracting the prior 12 month utilization of providers ... then comparing the resulting in-network rates (in terms of visits and claims dollars) to the competing carrier networks. But when reviewing these results be careful -- the devil is often in the details."  MORE >>