How to Choose a Provider Using Your Health Insurance

Finding a provider you like and trust is essential to getting the best possible medical care while using your health insurance this year.

With wide networks and many providers to choose from, the possibilities are endless and it can feel overwhelming to know which provider is best for you.

Health insurance plans now cover many providers including MDs, ODs, NPs, and PAs, all of whom can provide primary and specialty care that is covered under your plan.

Finding an in-network provider is also important because you will be charged less than if you use an out-of-network provider. Using the carrier’s search tool can help you know which providers are in-network.

When choosing a provider, there are many factors to consider before making your final decision, but the three most important to consider are rapport, experience, and accessibility.

Rapport

Having a good rapport with your provider can help build the trust you are looking for before you allow them to give you medical advice and treatment. A good provider will establish rapport with you by finding commonalities by taking the time to get to know you at your appointments. If you feel like your provider does not know anything about you or you have nothing in common, it may be time to look for a new one.

Experience

Depending on the service you need, it may be important for you to find a provider with experience. If you have a specialty procedure or chronic concern, it may be worth looking for providers who have become experts in their field. Online search tools often have biographies about providers’ experience and education to help you make your final decision.

Acessibility

If you need to see your provider often or want to use telehealth services, it may be worth finding a provider who takes the time to provide excellent customer service to their patients. Nothing is more frustrating than calling your provider’s office and not being able to reach them, so finding a provider who is able to respond to you within 24 hours can give you the peace of mind that you can get the medical care you need. Additionally, with the increase in telehealth services, having a provider who is available virtually is also a bonus.

How to search for a provider:

Going to your carrier’s website is the best way to search for a provider who is covered under your insurance. This search tool is usually updated weekly so you can get the most accurate information.