Fight for your right —
to the health coverage you deserve

Make sure your provider is in-network
It's important to confirm that your provider is in-network for your specific plan because insurance companies regularly change their networks. 

How you can check

• Check your insurance company's website
  Many insurance companies have a "find your doctor" option on their website.

• Call your insurance company
  You can call the member services number on the back of your health insurance ID card. You can also call the insurance company's general number and provide the provider's tax ID number and the name of the plan you have or are considering.
  
  

Your Providence provider accepts most major insurance plans . . .
 . . . but if your provider is out-of-network for the plan you’re considering, there are steps you can take.

• Selecting a Marketplace plan? A Medicare Advantage plan? You can choose between insurance carriers — check them out!
  
• If you’re employer is offering coverage, go over all your options with your Benefits Manager. There may be alternatives that allow you to keep your provider and avoid higher costs.

Know your true out-of-pocket liability
Even with health insurance, you are responsible for various out-of-pocket costs, which are expenses for medical care not reimbursed by your plan. Understanding these costs helps you choose a plan that best fits your budget and expected medical needs.

• Copayment (Copay) and Coinsurance: A fixed fee (copay) and/or a percentage of the cost (coinsurance) you pay each time you get a specific service, like a doctor visit.
  
  
• Deductible: The amount you have to pay for covered services before your insurance plan starts to pay.
  
  
• Out-of-Pocket Maximum: The highest amount you will have to pay for covered services in a year. Once you reach this limit, your health plan pays 100% of the costs.