Tips For Choosing Your Health Care Provider

If you’re looking for a health care provider, start by making a list of the qualities that are important to you. This could include things like whether they speak your language, are affiliated with a particular hospital or medical center, or have evening office hours.

Remember that you have the right to choose a primary care doctor that’s best for you. Use these tips to help you find the perfect fit.

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1. Look for an In-Network Provider

Most health insurance plans have contracts with certain doctors, hospitals and other providers that make up their network. Providers who have these contracts are known as in-network providers, and those who don’t are called out-of-network providers. In-network providers offer their services at a discounted rate, saving you money on your care.

Most of the time, when you visit an in-network provider, your bill will only include a copay or coinsurance, and your insurance company will pay the rest. If you go to an out-of-network provider, your bill will likely be much higher.

Always check your health insurance plan’s website or use its provider finder tool to find out if a doctor is in-network. However, sometimes even the providers’ websites don’t list their contract status correctly, so it is a good idea to call your insurance company’s customer service number (it should be listed on your health insurance card) to confirm.

2. Look for a Doctor You Can Trust

A good relationship with a doctor can make a big difference in your health. The right physician will be familiar with your history and concerns, and he or she can help you take charge of your own care by guiding you to the best decisions.

A trusted doctor will also be independent and unbiased in his or her approach to your medical needs. It's important to find out if your doctor receives financial support from pharmaceutical companies and if that might influence the medicines he or she prescribes.

It's always a good idea to ask friends and family about physicians they like, especially if your insurance policy limits you to a list of approved doctors. When you call potential providers, pay attention to how friendly and helpful the office staff is.

3. Look for a Doctor Who Fits Your Schedule

When you are choosing a doctor, it is important to choose one who fits your schedule. You should consider whether they have office hours that fit with your work and family schedules. You should also find out what kind of availability they have for after-hours care. Many health plans will provide a list of doctors who participate in the plan, and you should be able to get information on their backgrounds and credentials.

You should also find out about any other factors that are important to you, such as if they speak your language, if they have evening or weekend office hours, and if they are associated with a particular hospital. Once you have a list of doctors, narrow it down and set up an appointment with each.

4. Look for a Doctor Who Fits Your Budget

While it's impossible to predict all your health care expenses, pay close attention to recurring costs when choosing a plan. You'll also want to look at the types of services covered under each plan and their respective annual out-of-pocket maximums and deductibles.

Ask friends, neighbors, and co-workers for recommendations for doctors they like. When you get a list of names, call them and ask about their office hours, whether they're accepting new patients, and for their credentials.

You should also find out what doctors are in your plan's network, which may limit your options for a PCP, and check the cost of prescription drugs to help narrow your choices. Once you've narrowed your list, choose the doctor who best fits your budget.

5. Look for a Doctor Who Fits Your Personality

The doctor you choose is going to be your healthcare provider for as long as you have insurance, so it’s important that they fit your personality. This is especially true if you will be seeing the doctor for primary care services, such as checkups and screenings. If you have to select a new doctor, start by asking friends and family for recommendations. Once you have a list of potential candidates, make a list of the qualities you are looking for in a doctor. This may include things like whether they have evening office hours, how quickly they return calls, and if they speak your language. Finally, meet with the doctor and see if you feel comfortable communicating with them. You’ll be spending a lot of time together, so you want to be sure you are happy with your choice.