With the transition of care and continuity of care, you might be able to see your doctor even if there are substantial changes to your health plan or your doctor’s participation in the plan.
For example, if you’re five months pregnant and your obstetrician leaves your health plan’s network, continuity of care might allow you to continue to see your doctor until you deliver and for any post-pregnancy follow-up, you need.
Rigot says it’s always worth asking if your insurance company will consider covering your out-of-network visits to a doctor, even if it’s for a short time.
“Don’t just roll over because they are going to try to get you to go with one of the network people,” Rigot says. “If you push back, you’re more likely to get what you want.”