Can I keep my doctors on a new health plan?

Before recommending a plan, David checks your doctors and prescriptions against its network.

More detail

Here's how I do it. Say you see a family doctor and a dermatologist and take two daily prescriptions. Before I suggest any plan, I check each doctor against the plan's network and each medicine against the plan's drug list.

The plan type matters too: • HMO plans generally don't cover out-of-network care except in an emergency • EPO plans cover services only from network doctors and hospitals, except in an emergency • PPO plans let you see providers outside the network without a referral, at an added cost

A common mistake is assuming a doctor is covered because they accept a certain insurance company. We check the exact plan, not just the company name.

What to have ready: • Your doctors' full names and office locations • The hospital you'd want to use • Your medicines and doses

Send me your list, and I'll do the checking for you.