One of the most common questions people ask when shopping for health insurance is, “Can I keep my doctor?”
The answer depends on your plan’s provider network.
A provider network is a group of doctors, specialists, hospitals, and healthcare facilities that have agreed to provide services at negotiated rates for members of a specific health insurance plan. Staying in-network usually means you’ll pay less for your care.
Why Should You Check Your Network?
Just because your doctor accepted your insurance last year doesn’t mean they’ll be in-network this year. Insurance companies update their provider networks regularly, so it’s important to verify your doctor before enrolling or renewing your plan.
It’s also a good idea to check whether your preferred specialists, hospitals, and nearby urgent care centers are included.
How to Find Out
Most insurance companies have an online provider directory, or you can call the member services number on your insurance card. If you’re enrolling in a new plan, your insurance agent can also help confirm whether your providers are in-network.
Taking a few minutes to check before you enroll can help you avoid unexpected costs and ensure you continue receiving care from the providers you trust.
We’re Here to Help
Not sure if your doctor is covered under a particular health plan? Rodriguez Wealth Group is here to help.
Call or text us at (813) 761-2836 or email team@rwealthgroup.com. We’ll help you review your options and find a plan that fits both your healthcare needs and your preferred providers.
References
HealthCare.gov – Find Local Help and Coverage Information
https://www.healthcare.gov/find-assistance/
HealthCare.gov – Using Your Health Coverage
https://www.healthcare.gov/using-marketplace-coverage/
Centers for Medicare & Medicaid Services – Provider Networks
https://www.cms.gov/cciio