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How does a Narrow Network plan work?

Page last updated on: 6/23/26

What is a narrow network?

A narrow network consists of a group of doctors, hospitals, labs and outpatient facilities focused on providing care for their community at a lower cost. They provide all the regular benefits of traditional coverage while you receive care within a set health system network. 

If you receive non-emergency care outside your narrow network, or if your doctor switches hospitals and you don’t update your PCP to one in your network, you’ll have to pay the costs yourself.

MyPriority® offers four narrow networks:

  • Bronson Healthcare Partners
  • Corewell Health West Michigan Network
  • Southeast Michigan Network
  • Trinity Health East Network

What are the benefits of a Narrow Network plan?

A Narrow Network plan allows members to enjoy a lower monthly premium while accessing quality care. You also know you're getting local and community-oriented care while saving on your monthly premium.

With a MyPriority Narrow Network plan, you don't need a referral to see an in-network specialist and have access to all in-network pharmacies. You also get the added benefits of a MyPriority plan, like chronic condition coverage, diabetes management, on-demand mental health support, global emergency assistance, hearing aid discounts and more.

Is a Narrow Network plan right for you?

A Narrow Network plan is an affordable option for individuals and families who live near a hospital system where a Narrow Network plan is offered.

If you aren't comfortable seeking care within your designated system or if you anticipate needing specialized care outside your area, a Narrow Network plan may not be the best fit.

Watch this short video to learn more.

How do I know if my provider is in-network?

Your PCP may already be in-network in a Narrow Network plan. If they're not, you can find a new one, or one will be assigned to you.

Use our Find a Doctor tool to see if your provider is in-network. Change the search parameters from All plans to one of the narrow network options. Or check the list below.

MyPriority Narrow Networks

Find a Doctor plan name: Bronson Healthcare Partners

Offered to individuals who live in Kalamazoo and Van Buren counties and a portion of Calhoun County.*

Hospital networks
  • Bronson Methodist Hospital
  • Bronson Battle Creek Hospital
  • Bronson Lakeview Hospital
  • Bronson South Haven Hospital
Physician networks (primary care and specialist)
  • Bronson Healthcare physicians
  • Bronson Hospital-employed physicians
  • Physicians who denote Bronson Hospital (all campuses) as their primary affiliation
All in-network pharmacies

*ZIP codes in Calhoun County where the Bronson Healthcare Partners is offered: 49011, 49014, 49015, 49017, 49021, 49029, 49033, 49037, 49051, 49052, 49068, 49076, 49092, 49094

Find a Doctor plan name: Corewell Health West Michigan Network

Offered to individuals who live in Kent, Barry, Mecosta, Newaygo, Ottawa counties and a portion of Allegan County.*

Corewell Health West hospitals
  • Corewell Health Big Rapids Hospital
  • Corewell Health Gerber Hospital
  • Corewell Health Grand Rapids Hospitals - Blodgett Hospital
  • Corewell Health Grand Rapids Hospitals - Butterworth Hospital
  • Corewell Health Grand Rapids Hospitals - Helen DeVos Children's Hospital
  • Corewell Health Greenville Hospital
  • Corewell Health Ludington Hospital
  • Corewell Health Pennock Hospital
  • Corewell Health Reed City Hospital
  • Corewell Health Zeeland Hospital
Physician networks (primary care and specialist)
  • Corewell Health Medical Group West
  • Physicians who denote a Corewell Health West hospital (listed above) as their primary hospital affiliation
Other facilities
  • Orthopedic Associates of Michigan (OAM) physicians
  • Ancillary facilities in the Priority Health network. Examples include Pine Rest Christian Mental Health Services and Forest View Hospital.
All in-network pharmacies

*ZIP codes in Allegan County where the Corewell Health West Michigan Network is offered: 49070, 49311, 49314, 49323, 49328, 49335, 49344, 49348, 49406, 49408, 49416, 49419, 49423, 49453

Find a Doctor plan name: Southeast Michigan Network

Offered to individuals who live in Macomb, Oakland, and Wayne counties.

Hospital networks

Corewell Health East hospitals

  • Corewell Health Dearborn
  • Corewell Health Farmington Hills
  • Corewell Health Grosse Pointe
  • Corewell Health Royal Oak
  • Corewell Health Taylor
  • Corewell Health Trenton
  • Corewell Health Troy
  • Corewell Health Wayne
  • Corewell Health William Beaumont University Hospital

Trinity Health East hospitals

  • Trinity Health Ann Arbor Hospital
  • Trinity Health Chelsea Hospital
  • Trinity Health Livingston Hospital
  • Trinity Health Livonia Hospital
  • Trinity Health Oakland Hospital
Physician networks (primary care and specialist)

Corewell Health East hospitals

  • Physicians employed by Corewell Health in Southeast Michigan
  • Any individual community physician with admitting privileges at Corewell Health who is in-network and listed in the Priority Health Southeast Michigan Network Find a Doctor directory.

Trinity Health East hospitals

Any individual community physician with admitting privileges at Trinity Health, including:

  • McAuley Health Partners
  • IHA OOMA
  • Oakland Physicians Network Services (OPNS)
  • Oakland Southfield Physicians
  • Huron Valley Physician Association (HVPA), also known as Village MD
  • Livingston Physician Organization (LPO)
  • Olympia
All in-network pharmacies

Find a doctor plan name: Trinity Health East Network

Offered to individuals who live in Livingston and Washtenaw counties and a portion of Jackson County.*

Hospital networks
  • Trinity Health Chelsea Hospital
  • Trinity Health Ann Arbor Hospital
  • Trinity Health Livingston Hospital
  • Trinity Health Oakland Hospital
  • Trinity Health Livonia Hospital
Physician networks (primary care and specialist)

Any individual community physician with admitting privileges at Trinity Health, including:

  • McAuley Health Partners
  • IHA OOMA
  • Oakland Physicians Network Services (OPNS)
  • Oakland Southfield Physicians
  • Huron Valley Physician Association (HVPA), also known as Village MD
  • Livingston Physician Organization (LPO)
  • Olympia
All in-network pharmacies

*ZIP codes in Jackson County where the Trinity Health East Network is offered: 49201, 49202, 49203, 49204, 49230, 49240, 49254, 49259, 49261, 49263, 49272, 49277, 49285

How does a Narrow Network plan work?

Let's say you enroll in a Southeast Michigan Network Narrow Network plan.

  1. Your primary care provider (PCP) will be part of the Southeast Michigan Network. If you don't have a PCP or your current one is not in the Southeast Michigan Network, a new PCP will be assigned to you.
  2. When receiving medical services, you will visit a specialist, hospital, lab or outpatient facility that is in-network within the Southeast Michigan Network.
  3. You won't need a referral from Priority Health to see a specialist, as long as they are within the Southeast Michigan Network.
  4. You can use any in-network pharmacy.
  5. If you choose to receive care outside the Southeast Michigan Network, you will be responsible for any out-of-network costs. Emergency services are covered at the in-network level.

Frequently asked questions

A narrow network health plan is a type of health insurance that offers coverage through a smaller, select group of doctors, hospitals and providers. These plans are designed to lower costs by partnering with high-quality providers who agree to coordinated, cost-effective care.

Because the network is more limited, members typically need to stay within the network to receive the highest level of coverage.

Narrow network plans require members to choose providers within a defined network for most non-emergency care.

  1. You select a primary care provider (PCP) within the network
  2. You receive all of your care within the network
  3. Out-of-network care is usually not covered, except in emergencies

This structure helps manage costs while encouraging coordinated care among providers.

Narrow network plans typically offer several advantages, including:

  • Lower monthly premiums compared to broad network plans
  • Reduced out-of-pocket costs when using in-network providers
  • Access to a curated network of high-quality providers
  • More coordinated and efficient care

These plans are a good fit for individuals who are comfortable choosing from a defined provider network.

While cost-effective, narrow network plans may have some limitations:

  • Fewer provider choices compared to broader networks
  • Limited or no coverage for out-of-network care
  • Potential need to switch doctors if your current provider is not in-network

It’s important to review the narrow network provider list to ensure your preferred doctors and hospitals are included.

A narrow network plan may be a good option for individuals or families who:

  • Want to save on premiums and healthcare costs
  • Are comfortable using a specific group of providers
  • Prefer a plan focused on coordinated, local care

These plans are especially popular for people who don’t travel often for care and are open to selecting providers within a defined network.

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