Have you needed to use out of network doctors much?

Question

I might switch to a health plan that has less expensive premiums. The new plan would make me pay more out of pocket (deductible, copay, etc) when I use doctors who are not in the insurer's network of preferred providers.

That led me to ask: "How likely is it that I will want an out of network doctor? When would I want or need one?"

I am hoping to hear from anyone with insight, but I am especially hoping to hear from those of you who are covered by Blue Shield of California. I also hope to hear from medical professionals who have dealt with Blue Shield of California. That is my insurer.

Thank you in advance for any guidance.

Chris · Accepted Answer

Blue Shield has a huge network of providers. I have Blue Shield PPO coverage and they have a website where you can find a provider (doctor) for almost any health problem. I also always make sure to ask the receptionist if the doctor is a "preferred provider" before I set up an appointment. You can verify in Blue Shield's website all the details about the provider. The only time you might end going to a non-preferred provider is when you have an accident and the ambulance drives you to a hospital that is not part of Blue Shield's network. To have access to the list of providers, you must have an online account which is very easy to set up.

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Have you needed to use out of network doctors much?

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