For life threatening emergencies, you are covered worldwide. Those who attend school away from home should schedule routine care for times when they are home. Emergency care is covered worldwide. Many network doctors do accept new patients and most network doctors will accept existing patients when they join the plan. Refer to the provider directory to see which doctors are accepting new patients.
Most doctors join to maintain or increase their patient base.
M.D. Health Plan has the largest CT HMO network. For urgent care, you may be offered an appointment with a medical partner. Yes, but your in network physician must arrange and prior authorize your surgery and hospital stay. With the HMO plan you may only have out of network hospital care covered in full if M.D. Health Plan has given prior approval. You may visit more than one physician before seeking one, however, each visit will require the applicable copayment.