How to Find a Doctor With Your New Plan

December 16, 2014

The good news is that there are new and affordable health insurance options available in the Marketplace. But these new options might leave you with a lot of questions about how to pick the right plan.

You might already have a doctor or hospital that you see when you need medical care. But not all doctors and hospitals are covered by every health insurance plan that’s available.

Each plan has what is called a provider network. A provider network is a group of doctors, hospitals, and other health care providers that have partnered with your health insurance plan. Seeing doctors that are part of your plan’s provider network can help keep your health care costs lower.

If a provider is not included in your plan (called an out-of-network provider), it will probably cost more to get health care services from them. In some situations you might have to pay all the costs by yourself.

So, how do you make sure your preferred doctor is covered by a plan you’re considering? Just take these 2 quick steps when you’re shopping in the Marketplace:

  1. You can always call the plan to confirm that a doctor is in-network. And the online provider directory will also list in-network providers (including those that speak languages other than English). Take a look and make sure your preferred doctor is listed.
  2. Because things can change, it’s best to call your preferred doctor to make sure that they take the specific insurance plan you’re looking at and are taking new patients.

Once you’ve found out if your doctor is covered, you can finish signing up for the plan of your choice!

If you have questions, don’t forget that you can get local help with your health insurance application.

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