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Common Health Insurance Questions: How do I find a doctor in my network?

We’re about halfway through this year’s Open Enrollment Period, and it’s clear that everyone still has questions about health insurance.

We turned to our health insurance experts to gather the most-asked consumer questions. To start, we’re going to focus on a big one: How do I find a doctor in my network?

Below we explain how to figure out which doctors are in your network, and offer solutions for choosing a plan that allows you to see a doctor of your choice.


How do I know if my plan covers my doctor?

There are a variety of ways to find out if your doctor is covered by your health plan. To start, you can call your doctor’s office and ask if they accept your health insurance. You may want to do this before enrolling in a plan, just to be sure.

In addition, you can contact your health insurance company directly before you schedule a doctor’s appointment. Many health insurance companies also allow you to create a profile on their website where you can search for doctors in your area that are in-network.  Check with your insurance provider by contacting their customer service number on the back of your health insurance card.


Which type of plan allows me to choose my doctor?

While there are a variety of plans to choose from, the major difference between a Health Maintenance Organization (HMO) plan and a Preferred Provider Organization (PPO) plan is that HMO plans require you to choose a primary care doctor in your network. This is the same for any specialists you may need to see or lab work you might need. While these plans have lower out-of-pocket costs, they also require you to select in-network doctors and specialists.

If having the ability to see any doctor you want is at the top of your list,, a PPO plan might be best choice for you. This type of plan includes coverage for both in-network and out-of-network doctors, meaning you can likely choose to see any doctor you wish. Keep in mind that since these plans are more flexible, they can also be more expensive.


In the end, there are many health plans to choose from and many factors to consider before making your final decision. The key to finding the right plan is to understand your current and future health care needs. To speak with a licensed agent who can help you find coverage that fits your needs, call (866) 909 – 0798.

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