During Open Enrollment many people are shopping around for new health insurance. But sometimes they find that their doctor doesn't fall into the category of in-network providers.
In this case, it's time to find a new Doctor, which is a very scary and big decision to make. But Cosmo Insurance Agency wants to put you at ease and has listed these tips on choosing a doctor that fits you needs.
1. Determine Which Doctors Are “In-Network”
Most health plans have negotiated special, discounted rates with certain doctors and hospitals in your area, and you will pay less out of pocket for visiting those doctors, who are called "in-network" for insurance purposes. Ensuring that you select an “in-network” doctor will help you avoid a surprise “out-of-network” charge or having to pay in full out of pocket because the doctor you’ve selected doesn’t accept your insurance plan.
2. Find a Doctor with Expertise that Meets Your Health Needs
Now that you have the list of in-network doctors, you can begin narrowing it down. There are several different types of doctor that will be identified as a primary care physician - typically Family Practice, Internal Medicine or General Practice. There are also doctors who focus on children, called Pediatricians, who will serve as the primary care physician for your child.
3. Ask for Referrals
Many people feel most comfortable visiting a physician who is recommended by someone they know, like a family member, co-worker or friend. Ask around and see what doctor your friends and family visit. You can also ask another healthcare professional with whom you have a relationship, like a women’s primary care physician, a pharmacist, or even your dentist for a recommendation.
4. Visit the Doctor
Nothing can really give you a feel for whether you’ve selected the right doctor like an office visit and a face-to-face meeting. Be sure you feel comfortable in the office and with the physician and nurses. Your primary care physician should be someone you trust and can rely on to help manage your healthcare. Talk with him or her about any current medications you are taking and your medical history to be sure you are on the same page when it comes to managing any chronic conditions.