Aug 27, 2014
Answers to Your Questions About the ACA Marketplace
It’s a dilemma: A patient enrolls in an
Affordable Care Act (ACA) marketplace health plan under the assumption his or
her doctor is included in the plan, but later discovers that is not the case.
This week’s installment of Texas Medical
Association’s (TMA’s) “Hey, Doc” education campaign offers some suggestions for
Texans who face this challenge.
do I find out if my doctor is on my insurance plan’s list? What should I do if
I thought my doctor was included, but really isn't?
If you’re not sure if your doctor participates in your insurance plan,
there are a few ways to find out.
- Check the health plan physician list. Marketplace rules require plans to
publish an online directory of participating doctors on Healthcare.gov. It’s important to check those lists before you buy insurance to find
out if your doctor is in the plan you want.
- Call your
insurance company to check if your doctor is in the plan.
- Review the information in the welcome packet you got when you first
- Call your doctor’s office directly. You might have heard about some
confusion over whether the insurance plan lists online are up to date. So if
you aren’t sure, call your doctor to find out if he or she is participating in
the plan you chose.
If your current doctor is not in your plan, you have
a few options:
- If you decide to keep your physician
and he or she is not in your plan, you may have to pay the full cost of your
medical bills, since seeking “out-of-network” care means you’re responsible for
more of the bill.
- You can choose another doctor
within your plan.
- Or, even if your coverage
already started and you paid your premium, the federal government said that you
might be able to pick another plan with your doctor, as long as the plan is
with the same insurance company and in the same “metal” level as the one you
signed up for in the first place. (See “What
different kinds of insurance can I buy?”) But there was a
March 31 deadline to make this switch. Since that date has passed, you’ll likely
have to wait until the next open enrollment period starting Nov. 15, 2014,
unless you meet exceptional circumstances. (See “I haven’t
signed up yet. Is it too late?”)
And if you CAN switch and you do decide to, be sure
to ask your doctor first which plans he or she takes.
can't find the specialist I need on my insurance plan’s list of doctors. What
should I do?
Remember, insurance plans in the marketplace must
sign up enough doctors, hospitals, pharmacies, and other providers to make sure
patients can get medical care. (See “Who will
take care of me? What are the networks?”) When you don’t
have a choice and your plan’s network doesn’t include the type of specialist
you need, you can see a doctor that’s not on your plan. But your health plan
can’t charge you more than you would pay if that doctor actually was on your
current insurance plan.
The same thing applies if you have to get emergency
care out of network. If it’s not an emergency, be sure to call your insurance
company ahead of time to arrange to see an out-of-network specialist.
Click here to watch a brief “Hey, Doc”
what to do if your doctor is not on your insurance plan’s list of providers.
(Check out all of TMA’s “Hey, Doc” information series for answers to more ACA marketplace questions
at MeAndMyDoctor.com and HeyDoc.texmed.org, and TMA’s YouTube channel.)
TMA is the largest state medical society in the nation,
representing more than 47,000 physician and medical student members. It is
located in Austin and has 112 component county medical societies around the
state. TMA’s key objective since 1853 is to improve the health of all Texans.
phone: (512) 370-1381
cell: (512) 656-7320
phone: (512) 370-1382
cell: (512) 650-5336
Click here to follow TMA on Twitter. Or visit TMA on Facebook.
Check out MeAndMyDoctor.com for interesting and timely news on health care issues and policy.