Health Insurance

Will I have to change doctors with my new health insurance plan?

What you need to know

You don’t necessarily have to change doctors if you purchase a new health insurance plan. If you’re shopping for health insurance, you can prioritize keeping your doctors and prescriptions. Healthcare.gov, state exchanges, and private exchanges like PolicyGenius all have tools that can help you check if your doctors and prescriptions are available on a given plan.

You can also talk to your doctor directly about which health insurance companies they work with. Health insurance companies make deals with networks of providers, and it’s possible that your doctor is in a network that works with multiple insurers or is in multiple networks. Depending on their answer, you may have multiple companies that you’re able to choose plans from when you start shopping for health insurance.

Additionally, you may want to look at a preferred provider organization, or PPO, health insurance plan. PPO health plans have networks of providers, but still allow you to see any doctor out of network. Out-of-network care may be more expensive than in-network care, but buying a PPO plan is one way to keep your current doctor while buying a new health insurance plan.

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