If you are one of the millions of Americans who recently enrolled in health insurance for the first time, good for you! Enrolling in health insurance was one of the most important things you did this year. Now that you are covered, there’s a big next step you need to take right now. That’s to find a doctor who is right for you. Let’s walk through how you do it:
Know where to look within your health planYour health plan has a certain group of doctors you can choose from. It also has a list of hospitals, clinics and other medical services you can use. This is your plan’s provider network. These providers have agreed to see our members who have that plan. The network agreement outlines such things as what tests and treatments we’ll cover, how much we’ll pay them for their services, and where certain medical tests or procedures can be done under your plan’s benefits. That agreement is one of the ways we protect our members from paying more for some doctors than others, and from unknown charges.For you, this means you’ll need to find a doctor that’s in your plan’s network in order to have your visits and treatment paid by your insurance at the best rate. Networks vary from plan to plan, so make sure you know the doctors in your network for the health plan you bought. If you’re not sure, check before you go -- call Customer Service at the number listed on your member ID card or enter your plan name in our Provider Finder tool to pull up a full list. If you want to find certain types of doctors, you can search by specialties.
Get the most of your health plan by using it now to stay healthy, rather than waiting until you get sick. Spending a little money now to see a doctor and get the health care basics covered saves us all money down the road and could save you from a lifetime of illness.Have you had any difficulties? Let us know below and we’ll help you!
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