What Should You Do When Your Doctor Leaves Your Health Plan?
Doctor Who?!
There’s no doubt that if you care about your health you want to have a good relationship with your doctor. Especially if you feel your doctor understands and truly cares about your health problems and wants to do the best for you. We’ve all had that one very good doctor whose name we fondly remember and don’t hesitate offering “free ads” for him when we talk to ones in our inner circle. Well lets face it, our dear doctors earn it most of the times, don’t they? Unless you come across that one bad apple that keeps the doctor a safe distance away. Jokes aside, it does happen some times that we have a less than desirable experience with a doctor or medical staff.
That is why it would be so disappointing to find out that your favorite doctor is no longer in-network , meaning your health insurance will no longer cover visits to your now “old” doctor or covers a small portion of your bills . Not as much as previously.
And if you are covered through your spouse’s employer or your own employer, you might even realize you can’t switch plans until open enrollment later in the year.
That being said , life changing events such as marriage, divorce, a new job or pregnancy would automatically qualify you for a health insurance switch.
Here’s what you could do:
• Switch plans whenever you’re able to do, to the one your favorite doctor participates in . It might mean joining another plan other than the ones your employer offers.
•Find out how much you will pay to see your doctor if you were to pay out of pocket. To larger extent , this will depend on your income as cost is most times based on your qualifying factors such as your health , income and age.
•Find a new doctor .
On another note
At times doctors may “leave practice” which means they have changed jobs or left the location for who -knows-how-long (consider them gone for good ). In this case your best move is to find Medical Groups that have primary care doctors who are “accepting new patients”. This way you can avoid gaps in your healthcare coverage.
FYI : If you live in CA ,AZ and TX and you urgently need an appointment , reach out and I will help you schedule an appointment as soon as your health plan is approved .
Although doctors come and go , you can still do the above to make sure your health is taken care of.
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