When shopping for a health plan, it’s important to pay attention to provider networks. Knowing which doctors and facilities are included can help you choose a plan.
What is a network?
A health plan network is the group of doctors, clinics and hospitals that work with the health plan to provide health care services.
What about emergency care?
- In-network care: The costs you pay are generally lower when you go to providers in the network.
- Out-of-network care: Your insurance may not cover the bill or you may have to pay a larger share of the cost if you go to an out-of-network provider. That’s why it’s important to check this out before you enroll in a plan.
If you need emergency medical care for a life-threatening illness or injury, you should go to the nearest ER, even if the facility is not in your plan’s network. You won’t be charged more for emergency care at an out-of-network hospital.
Find out which doctors are included
Information about a plan’s network of providers can change every year, so you want to review the network even if you’re renewing your health coverage. You can do this by checking the health insurance company’s website. View the provider directory to look up your doctor. Still not sure? Call your doctor’s office and ask if they accept your health plan.