Is Your Doctor in Network – Does it Matter?

bigstockphoto_thinking_woman_304081Blue Cross Blue Shield of North Carolina, unlike many of the companies offering coverage through the health insurance Marketplace, provides plans that cover you both in-network as well as out-of-network.  Having out-of-network coverage when it counts can make an enormous difference in your out-of-pocket expenses.  It’s important, however, to find out ahead of time whenever possible whether or not your provider is in network with your plan.  Because you will pay more for out-of-network coverage, knowing which doctors and hospitals accept your plan is one of the best ways you can manage your health care costs.

If you have made a plan change this year or were migrated to a new Blue Cross Blue Shield NC network for 2016, it is especially important for you to verify whether or not your doctor accepts your new plan.  You can do this through the BCBSNC Find a Doctor Tool, but we also recommend calling your provider to double check.

Having this information before you get sick or experience an emergency can help save you from any unexpected out-of-network charges.  It will also help you make the best decision about which providers you use in various circumstances.  As with most things in life, doing a little research now can save you a lot of headache down the road.

Open Enrollment does not officially end until January 31st so you still have time to make any necessary adjustments to your Blue Cross Blue Shield of North Carolina health plan.  Remember, however, that in order to make a plan change after January 31, 2016 you will need to have experienced a Qualifying Life Event, which means oftentimes you will not be able to make changes at all until next year’s Open Enrollment period.

For more information on Blue Cross Blue Shield of North Carolina insurance coverage, please visit our website at or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.


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