Imagine you’ve moved to a new town and need a pediatrician for the kids’ annual well visits. Or maybe your allergies are out of control and you need to find someone to clear you up ASAP. Perhaps your primary care physician (PCP) suggested you see a specialist to monitor you for a family health issue. You’re in the market for a new doctor.
All insurance plans have networks of doctors, and selecting a doctor within that network can save you money. In fact, some plan types require you to see an in-network provider. So, how do you find a provider who’s in your plan’s network?
Recommendations from friends and family are always a great place to begin. Our Provider Finder tool is where you should head next. Not only does the smart search let you narrow thousands of area doctors to ones near you who specialize in the care you need, but it also lets you know if a physician is a part of the Independence Blue Cross network.
What is a provider?
A health care provider is a person or company that provides a health care service to you. Providers include your doctor (primary care physician), a specialist, or even a facility, like a lab, hospital, or urgent care center.
What is an in-network provider?
An in-network provider is a health care provider that has contracted with your health insurance company to provide health care services to its plan members at a pre-negotiated rate. Because of this, your cost-sharing is reduced. Health care services could cost more if you choose to use an out-of-network provider.
What is an out-of-network provider?
An out-of-network provider is a health care provider who has not contracted with your health insurance plan. Costs for health care services could be more, since the health care provider does not have a pre-negotiated rate with the health insurance company.
How do I find out if a doctor or other health care provider is covered by my insurance?
Visit the Provider Finder and start searching! Under the Search my network using area, enter either your member ID number (which you can find on your ID card) or your plan name to view only providers who are considered in-network.
Is it more expensive to see a doctor or other health care provider outside of my plan’s network?
Typically, yes. If you visit a physician or other health care provider within your health insurance plan’s network, the amount you will be responsible for paying will most likely be less than if you go to a health care provider outside of your network.
What are the benefits of choosing Independence Blue Cross in-network providers?
In addition to lower out-of-pocket-costs, in-network providers have been screened and meet quality standards to be a part of Independence’s extensive network. Members have access to more than 46,500 doctors and 160 hospitals in the region. Read more on the benefits of being an Independence Blue Cross member and being a part of the extensive Blue Cross Blue Shield network.
Visit ibx4you.com today!