The amount of time granted to you to find a new in-network health care provider may vary by the health insurance company.
Cigna says that if transitioning to an in-network provider is deemed “not recommended or safe” for conditions that qualify, you will have a specific period – usually 90 days – in which you can use out-of-network services for that condition.
Aetna also says the transition-of-care period usually lasts 90 days, although this can vary.