Finding Care After Your Doctor Leaves Your Health Plan

If you have been fortunate enough to find a primary or specialty care doctor you love, it can be disappointing to say the least, when your doctor will no longer accept your health insurance plan. This means you’ll have to pay out of your own pocket to receive care from that point going forward. If you find out that your doctor is no longer within your insurance network, it can cause stress, anger and fear. You do, however, have several options on what you can do.

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What To Do If Your Doctor Leaves Your Health Plan

What to Do If Your Doctor Goes Insurance-Free

Doctors go insurance-free for several reasons, such as decreased reimbursement rates from health insurance companies, and excessive paperwork. In many cases, doctors who do not accept insurance have flat rates, or income-based sliding fee schedules, to keep care affordable. Other providers have monthly, quarterly, or annual fees, where their patients pay in advance, in exchange for a certain number of services or visits. Some may require payment at the time service is rendered each visit.

If your doctor goes insurance-free, talk to the billing office to determine how much care will cost. In some cases, it may not be much more than you would pay with health insurance coverage. Caution here, you may mistakenly feel that insurance is no longer important or necessary. Nothing could be further from the truth! The true cost of health care totally out of your own pocket could devastate you financially. Tests, lab work, prescription coverage, and hospitalization or emergency care can be thousands of dollars. In all cases, if you are determined to stay with your doctor no matter what, until you have a new “enrollment period” so you can switch health insurance options, it is best to pay your doctor, sometimes referred to “cash pay” and keep your insurance for all other necessary reasons. One unforeseen emergency without insurance is why you’ll want to keep insurance. One bout of cancer, an embolism, a heart attack, a strange infection, an accident, so many things that could happen that your 1 specific doctor cannot take care of is why you’d want to keep that insurance in place.

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What to Do If Your Doctor Rejects Your Health Insurance

If your doctor rejects your health insurance plan, it is a good idea to call the health insurance company and state your case. In some cases, your health insurance provider may honor your appeal. Obviously, this does not happen often, but if your provider is providing a service that no one in your city/county provides, your insurance company may make exceptions for you to continue seeing your provider. You can also ask if your doctor’s office will submit an out-of-network claim on your behalf or provide you with necessary paperwork to file it yourself. You may also inquire about what you would pay out-of-pocket as a cash pay client.

New Insurance Plan? – Find Out If You Are Protected in Nevada

If you find yourself losing your health insurance plan and your new plan does not have your doctor in their network, now what do you do? There are some cases in which you are entitled to continue receiving care from your current medical provider, even if they are no longer within your plan’s network.

In Nevada, if you are actively undergoing medically necessary treatment, many insurance companies will work with their new members on transition of care. Depending on the patient’s need, there are times the insurance company may negotiate with the existing provider to complete their care.​

How to Find a New Doctor

  • Get recommendations from friends
  • Ask for a recommendation or referral from your doctor
  • Familiarize yourself with your health insurance plan’s in-network provider list
  • Ask your agent for a copy of, or where to look online for the “provider directory”
  • Get yourself a great Broker – call Nevada Insurance Enrollment 702-898-0554
  • Finding a new doctor may feel intimidating, but there are several steps you can take to make the process as hassle-free as possible.

Understanding Your Health Insurance Coverage with Nevada Insurance Enrollment

At Nevada Insurance Enrollment, health insurance agents can help you find your plan’s list of in-network providers and understand your coverage for primary and specialty care. If you do not currently have health insurance coverage, we can also help you find a plan that your preferred health care provider accepts.

What is a Major Medical Health Insurance Plan?

What is a Major Medical Health Insurance Plan?

A major medical health insurance plan is a comprehensive medical plan that can help you pay for doctor’s visits, hospitalization, and prescription drugs if you should become sick or injured.

Stating Your Income For Health Insurance Subsidy

Stating Your Income For Health Insurance Subsidy

When you claim you make a certain amount of money in a year (and receive a subsidy), you must try to be as accurate as possible and notify them of any changes that may occur throughout the year. Be honest in stating your income. There are very serious consequences to playing games with your income.

Health Insurance, Vision Insurance or Both?

Health Insurance, Vision Insurance or Both?

Vision insurance pays for a portion of expenses such as basic preventative care, including vision tests and eye exams. It also covers eyeglasses, including the lenses and the frames, and/or contacts. Depending on your plan, there may be additional benefits, such as coverage for daily disposable contacts.

 

By page visits (this month)

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog

#5) Request a Quote

By page visits (this month)

 

#1) Health Insurance Subsidy Chart

#2) Health Insurance

#3) Health Insurance WITH a Subsidy

#4) Insurance Blog Posts

#5) Request a Quote

Health Insurance: What is a Single Payer System?

A single-payer health care system is one in which there is one party that collects all healthcare fees and covers all health care costs. In theory, this could reduce medical costs because there would be significantly fewer entities involved in the system, thus cutting down on administrative costs.

What Is A State Based Health Insurance Exchange?

In most cases, when someone is talking about state-based health insurance, they’re referring to a health insurance plan that is regulated by the Department of Insurance in that state. These plans are sold through state health insurance exchanges.

Health Insurance Options For Laid-Off Workers

If you rely on employer-based health insurance and you lose your job, you may wonder what happens if you need medical care before you are able to get new coverage. Fortunately, there is COBRA, a law passed in 1986 gives many workers and their families the right to retain their health insurance even if they quit or lose their jobs.

What Are Association Health Insurance Plans?

Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.