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. 

Your Providence provider accepts most major insurance plans.
Here’s how you can check:

• Check your insurance company's website
  Most insurance companies have a "find your doctor" option on their website. They may list either, or both, by your provider’s name or by ‘Providence Medical Group’.
  
  
• Call your insurance company
  You can call the member services number on the back of your health insurance ID card. 
  
  
  
  
  

If it appears that your provider is out-of-network for the plan you’re considering, there are steps you can take —

• Double check first — it’s not uncommon for a plan’s published list of in-network providers to beout-of-date or inaccurate.
  
  
• 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.