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

Start with the network on your ID card and search it using the links above. Filter by specialty (for example, family medicine or pediatrics), your ZIP code and distance. Make a short list of two or three doctors, then call each office to confirm they're in-network and accepting new patients. You can also ask friends, family or a doctor you already trust for recommendations, then check that those names are in your network.

A PCP is your main doctor for checkups, everyday care and referrals, so it's worth choosing carefully. Look for:

• In-network for your plan, and accepting new patients
• The right type of doctor: family medicine (all ages, good for families), internal medicine (adults) or pediatrics (children)
• A convenient location and office hours, and whether they offer same-day or telehealth visits
• Which hospital they use, in case you ever need one
• Languages spoken, and whether you'd prefer a male or female doctor
• How easy it is to reach the office, get appointments and refill prescriptions

Once you choose, some plans ask you to list your PCP with the plan or in your member portal. Check your plan documents or call the number on your card.

It depends on your plan. Many PPO plans let you see a specialist without a referral, while HMO and some EPO plans require one from your PCP. Your plan documents or the number on your card will tell you. Either way, check that the specialist is in-network first.

In-network providers have agreed to discounted rates with your plan's network, so you usually pay less. Out-of-network providers haven't, so you may pay more, or the visit may not be covered at all, and you could get a bill for the difference.

Call the office and ask if they belong to the network under a different name or location (directories aren't always current). If they truly aren't in-network, you can find a new in-network doctor, ask your plan about out-of-network benefits, or look at other plans that include your doctor. We can help you compare.

Many network searches have a "Accepting new patients" filter. Still call the office to confirm, since this changes often.

For things like colds, minor cuts, sprains or a mild fever, an in-network urgent care center or a telehealth visit usually costs much less. For chest pain, trouble breathing, signs of a stroke, severe bleeding or other emergencies, call 911 or go to the nearest ER right away.

Many plans include telehealth visits, often at little or no cost. Check your plan documents or member portal for how to get started.