--- title: 3 Common Questions About Disruption Reports | Solstice description: Network disruption can be the difference between a happy client and an unhappy one. Read on for answers to 3 common questions about disruption reports! image: https://blog.solsticebenefits.com/hubfs/analysis-1841158_1280-1.jpg --- [![Solstice Logo](https://blog.solsticebenefits.com/hs-fs/hubfs/Vonazon/solstice-benefits-broker-blog-template1-logo-216x76.png?width=216&name=solstice-benefits-broker-blog-template1-logo-216x76.png "Solstice Logo")](https://www.solsticebenefits.com/) # Insurance Broker Blog ![analysis-1841158_1280-1](https://blog.solsticebenefits.com/hubfs/analysis-1841158_1280-1.jpg) # 3 Common Questions About Disruption Reports By Andrew Hickey on Apr 8, 2026 9:38:00 AM When employers change insurance carriers, one of the first concerns they raise is network access. Employees want to know whether they can continue seeing their current dentists and providers. If a long‑time provider is no longer in network, it can quickly lead to frustration and confusion. This is where the value of disruption reports becomes clear. Disruption reports help brokers and employers understand how a carrier change may affect provider access **before** a decision is made. When used properly, they reduce surprises, support [better network education](https://blog.solsticebenefits.com/solstice-member-blog/15-most-common-insurance-terms), and lead to more productive employer conversations. Below are three frequent questions brokers ask about disruption reports—and how to explain the findings confidently in client discussions. **Key Takeaways for Brokers:** - Disruption reports show how carrier changes may affect provider access before enrollment. - They compare employee provider usage with new carrier networks. - Provider continuity is a major factor in employee satisfaction. - Disruption matters most in DHMO plans and rural networks. - Clear network education helps employers avoid surprises after a carrier switch. **![Graphical chart analysis](https://blog.solsticebenefits.com/hs-fs/hubfs/Graphical%20chart%20analysis.jpeg?width=780&height=523&name=Graphical%20chart%20analysis.jpeg) ** **What Is a Disruption Report?** A disruption report is a network analysis used to evaluate insurance carriers. Reports are typically generated using historical claims data and network comparisons through a broker’s preferred analysis or enrollment tools. Even carriers with large networks can create disruption if employees frequently use out‑of‑network providers. **![business documents on office table with smart phone and laptop computer and graph financial with social network diagram and three colleagues discussing data in the background-1](https://blog.solsticebenefits.com/hs-fs/hubfs/business%20documents%20on%20office%20table%20with%20smart%20phone%20and%20laptop%20computer%20and%20graph%20financial%20with%20social%20network%20diagram%20and%20three%20colleagues%20discussing%20data%20in%20the%20background-1.jpeg?width=780&height=520&name=business%20documents%20on%20office%20table%20with%20smart%20phone%20and%20laptop%20computer%20and%20graph%20financial%20with%20social%20network%20diagram%20and%20three%20colleagues%20discussing%20data%20in%20the%20background-1.jpeg)** **How Are Top Utilized Providers Identified?** Top utilized providers are identified using claims history. Providers with the highest claim volume usually rise to the top of the list. If a client wants deeper insight, disruption reports may also show: These details help employers understand not just **which** providers are affected, but **how many employees** may be impacted. **![Business meeting](https://blog.solsticebenefits.com/hs-fs/hubfs/Business%20meeting.jpeg?width=780&height=520&name=Business%20meeting.jpeg)** **How Do You Evaluate a Disruption Report?** Disruption reports allow brokers to move beyond surface‑level network size and focus on real employee impact. You can also use these reports to review factors such as: Provider continuity remains an important part of the [employee benefits experience](https://blog.solsticebenefits.com/solstice-broker-blog/dental-benefits-and-wellness). Employer [benchmarking research](https://nabip.org/media/8487/2023-uba-employee-benefits-benchmarking-trend-report-2.pdf) shows that access and plan usability are key considerations when selecting coverage. **![Business people working together on their laptop in cosy meeting room](https://blog.solsticebenefits.com/hs-fs/hubfs/Business%20people%20working%20together%20on%20their%20laptop%20in%20cosy%20meeting%20room.jpeg?width=780&height=520&name=Business%20people%20working%20together%20on%20their%20laptop%20in%20cosy%20meeting%20room.jpeg)** **Why Disruption Reports Matter in Employer Conversations** Disruption reports support one of the most important broker responsibilities, **network education**. When brokers explain not just whether a provider is in network—but *why that matters*—employers are better equipped to balance cost, access, and employee experience. Well‑prepared conversations around disruption reports can help: **Frequently Asked Questions** **What is a disruption report in insurance?** A disruption report compares employee provider usage with a new carrier’s network to estimate how many employees may need to change providers after a switch. **Why are disruption reports important?** They help employers understand network impact before changing carriers and prevent unexpected provider disruptions. **How do brokers use disruption reports?** Brokers use them to compare carrier networks, explain provider access, and guide more informed benefit decisions. **Do disruption reports matter more for DHMO or PPO plans?** They matter most for DHMO plans, where out‑of‑network care is usually not covered. **Can disruption reports prevent employee dissatisfaction?** Yes. Clear expectations around network access help reduce frustration when coverage changes. **A Helpful Next Resource for Brokers** If disruption report discussions are coming up more often, strong benefits education and communication tools can help reinforce those conversations. The [Brokers’ Guide to Benefits Education & Communication](https://info.solsticebenefits.com/broker-benefits-education-and-communication) offers practical guidance for explaining networks, coverage, and benefit changes—helping address confusion before enrollment begins. 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