When selecting new Colorado health plan, you may be able to keep doctors on new health insurance if they are included in the network of the new plan you choose.
A husband and wife with young kids approached us, concerned about switching health insurance plans because the wife had lost her employer health plan. The parents were worried that a new plan might not cover their current pediatrician, leading to disruptions in their children’s care. We carefully reviewed their options and explained how to search for providers within different plan networks. By thoroughly checking the networks associated with various policies, we found a plan that offered both the affordability they needed and the continuity of care they valued, including coverage for their current pediatrician. The family was relieved to make the switch without losing access to their doctor.
We carefully reviewed their options and explained how to search for providers within different plan networks. By thoroughly checking the networks associated with various policies, we found a plan that offered both the affordability they needed and the continuity of care they valued, including coverage for their current pediatrician. The family was relieved to make the switch without losing access to their doctor.
Key points regarding doctors and Colorado Health Insurance networks:
- Why keep doctors on new health insurance?
- Know before buying.
- Continuity of care
- Insurance networks
- Quality of Care
- Specialized Care
- Convenience & Accessibility
- Considerations
Does keeping doctors on new health insurance matter?
Whether it matters if you keep doctors on new health insurance can depend on several factors. For most people finding a new health insurance plan that includes your doctors is crucial for several reasons:
- Continuity of Care.
- Trust and Comfort with your doctors.
- Specialized Expertise doctors have with your specifics.
- Avoiding Disruptions.
- Consistency in Medication Management.
Know before you buy.
To determine which plan your doctors will accept:
- Your doctor’s office is the final say – check with them on each insurance company network.
- Email Ian Young Health Insurance today or schedule an appointment for assistance.
- Front-load your doctors into the CO Marketplace’s Quick Cost & Plan Finder.
- Check the online provider search tools for each health insurance company.
Continuity of Care:
Staying with the same medical providers can ensure continuity of care, which can be beneficial for managing chronic conditions, maintaining a consistent treatment plan, and having a healthcare provider who is familiar with your medical history.
Insurance Networks:
If your medical providers are in-network with your new insurance plan or state exchange, it can be cost-effective to keep seeing them. In-network providers generally result in lower out-of-pocket costs compared to out-of-network providers.
Quality of Care:
If you are satisfied with the quality of care you receive from your current providers, it might be worthwhile to continue seeing them. Building a good patient-provider relationship can contribute to better health outcomes.
Specialized Care:
If you require specialized care and your current providers are specialists with whom you have an established relationship, it might be important to keep seeing them to ensure you receive the necessary expertise and treatment.
Convenience and Accessibility:
Consider the convenience of keeping the same providers, such as location, office hours, and ease of scheduling appointments. These practical aspects can impact your overall healthcare experience.
Considerations:
However, if you are considering changing providers, here are a few things to keep in mind:
- Provider Availability: Ensure that new providers are accepting new patients and that they are in-network with your insurance plan.
- Transfer of Medical Records: Make sure your medical records are transferred to the new provider to maintain continuity of care and avoid unnecessary repeat tests or procedures.
- Reassessment of Care: A new provider may offer a fresh perspective on your healthcare needs, which can sometimes be beneficial.
Click Here to view an Ian Young Health Insurance video about Keeping Docs and Meds On New Plan.
Ian Young Health Insurance assists clients in balancing continuity of care, cost, quality of care, and personal preferences. Email us today or schedule an appointment for assistance understanding your doctors, the networks, and their impact on your decisions.
