Network, Access & Virtual Care

Assess network adequacy, geographic access, and virtual care integration for your employee population.

Created by Corry Hull, REBC®, CSFS® for Employer Benefits IQ.

1.How well does your carrier network serve all geographic locations where your employees live and work?

Multi-state and remote workforces require national or multi-regional network coverage.

2.How adequate is your network for high-value specialists (oncology, cardiology, orthopedics, behavioral health)?

Narrow networks may exclude Centers of Excellence for complex conditions.

3.How well integrated is virtual/telehealth care into your plan design, including behavioral health and chronic disease management?

Virtual-first plans and $0 telehealth copays drive utilization and reduce ER/urgent care costs.

4.How effectively do you help employees find in-network, high-quality, cost-effective providers?

Price transparency tools, quality ratings, and navigation support improve network utilization.

5.How regularly do you review network adequacy reports and out-of-network utilization data?

Annual network adequacy review with documented findings is the benchmark.

This tool provides educational decision support only. Results are not legal, tax, actuarial, or insurance advice. Validate all outputs against current plan documents, applicable law, and qualified professional guidance. Scoring version 1.0 · Reference year 2026.