How do I find a doctor or other health care provider with my plan?

Your health insurance plan has a group of health care providers (doctors, hospitals, pharmacies, and more) that are part of the plan’s provider network.

A provider network is a group of health care providers that have partnered with your plan to provide health care services at lower costs. These providers are called in-network providers.

Doctors and other health care providers who have not partnered with your health insurance plan are called out-of-network providers.

Your share of the cost for health care services will likely be different for in-network providers and out-of-network providers. Seeing an out-of-network provider often costs more than seeing an in-network provider.

Tip: Provider networks can change. Before getting care, it’s best to call your provider and ask if they accept your health insurance plan.

You can call your insurance company to learn about out-of-network costs and in-network costs, and look over your summary of benefits and coverage (SBC) for specific details about your plan.

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