Is My Doctor In-Network? Find a Doctor in Minutes

Before you see a doctor, fill a prescription or schedule a procedure, it pays to check that they're in your plan's network. Going in-network usually means lower costs and fewer surprise bills. Many health plans share the same provider networks, so the quickest way to check is to search the network itself.

We put the most-used network lookups in one place, with tips so you get the right answer the first time. And if you get stuck, we're here to help.

STEP 1: FIND YOUR NETWORK ON YOUR ID CARD

Look at the front or back of your ID card for a network name or logo, such as PHCS, Cigna PPO, MagnaCare, Aetna or UnitedHealthcare. That's the network to search. If your card shows more than one, ask us or call the number on your card to find out which one applies where you live.

STEP 2: SEARCH YOUR NETWORK

PHCS (MultiPlan): providersearch.multiplan.com or 800-922-4362. 1) Visit the site. 2) Highlight PHCS (the logo on the front of your card) and click Select and Search. 3) Enter your search details and your ZIP code, then select Search.

Cigna PPO: hcpdirectory.cigna.com. Choose "Employer or school plan," then pick the PPO / Open Access Plus network named on your card. You don't need to log in.

MagnaCare (New York and New Jersey): magnacare.com. 1) Click "Find a Provider" in the top right corner. 2) Select "Search MagnaCare Providers."

Aetna: aetna.com provider search. Pick the plan or network named on your card. If you're not sure which to choose, call the number on your card.

UnitedHealthcare Options PPO: UHC Options PPO search

UnitedHealthcare Choice Plus: UHC Choice Plus search

First Health: myfirsthealth.com

Other networks: don't see yours? This list covers dozens of networks: umr.com/find-a-provider

STEP 3: DOUBLE-CHECK BEFORE YOUR VISIT

Online directories are a great start, but they aren't always up to date. Before your appointment:

• Call the doctor's office and ask: "Are you in-network with [network name on my card]?" Ask about the specific doctor, not just the practice.
• Check the hospital, lab and imaging center too, not just the doctor.
• If the office says they don't accept your plan, show them your ID card and call the number on the back. A representative can often verify your benefits and speak with the office directly.
• For anything that isn't an emergency, ask whether pre-certification (prior approval) is needed.

CHECK YOUR PRESCRIPTIONS TOO

Your plan's drug list (formulary) shows which medications are covered. You'll find it in your plan documents or member portal. To compare cash prices at nearby pharmacies, try goodrx.com.

LOOKING TO SAVE MONEY, OR WANT TO SEE OTHER PLANS?

If your doctors aren't in your network, your costs went up, or you just want to know what else is out there, we can help. We'll look at your doctors, prescriptions and budget and compare options side by side, so you can make the choice that fits you. No pressure.

• Text us: (704) 360-0462 (fastest)
• Call: (704) 940-6654
• Book a call: calendly.com/smartinsurancestrategies
• Email: team@smartinsurancestrategies.com

Already have a plan and need help checking a doctor? Text us the doctor's name and city, and we'll help you look.

Provider networks change often. Always confirm with the provider and the number on your ID card before receiving care. Smart Insurance Strategies is not affiliated with the networks listed, and links go to their public search tools.