Switching health insurance plans can lead to questions regarding continuing care with a trusted doctor. If you’re in Oklahoma and contemplating a new health insurance provider, understanding how provider networks operate is crucial to avoid any surprises. Your agent at Freeland Insurance, serving Oklahoma City, OK, can assist.

Understanding In-Network vs. Out-of-Network

Most insurance plans come with a list of approved providers known as a network. These doctors and facilities agreed to work with the insurance company at pre-negotiated rates. If your doctor is "in-network" under your new plan, you can continue seeing them as usual, and your visits will be covered under your new benefits.

If your doctor isn’t in-network, your options will depend on your insurance type. Some plans won’t cover any costs for out-of-network care unless it’s an emergency. Others might cover a portion of the bill, but you’ll typically pay more out-of-pocket.

Verify Before You Switch

Before finalizing a new policy, ensure your doctor is part of the new insurer’s network. You can contact the doctor’s office directly or review the insurer’s list of in-network providers. An experienced local agent can also help you compare plans and guide you through the details.

Considerations for Ongoing Treatment

If you’re in the midst of treatment for a medical condition, you may be eligible for what’s called a transition of care. This allows you to temporarily continue with your current doctor while your new plan takes effect, but it usually requires approval.

Choosing a new health plan doesn’t have to mean starting over with a new doctor. A bit of planning can help maintain consistency in your care. Consult with your insurance agent at Freeland Insurance, serving Oklahoma City, OK, to learn more.