Health Insurance Provider Networks Are A Changing


Hi, this is George Geldin, again. This is a quick addendum to my last
posting from February 17th and it’s still February 17th, but I forgot to mention a little
note about the provider networks. The
provider networks on the carriers are different then
their old provider networks. So, if you’re on the Blue Cross PPO
in prior years, the new Blue Cross EPO network or
their new Blue Cross PPO network, whether it is On Exchange from Covered California, if you purchase a plan from there, or if
it is Off Exchange, that you bought directly from Anthem Blue
Cross, those provider networks are different and this is the same with
basically all the carriers. Cigna uses a new network which is
called Local Plus on their PPO network, which is smaller
than their old network. Blue Shield uses a new network. HealthNet uses a new network. They’re all using new networks. So, don’t take for granted that your
doctor is in the new provider network simply because they
were in the old provider network. You need to check to make sure that your
doctors are participating on your new insurance plan, if you have a new insurance plan, with
the new network. And the networks can be different whether you purchase
the insurance through Covered California, On Exchange, or if you purchase the
insurance directly from the insurance carrier,
or Off Exchange. So, it’s really an important point, and I just wanted to make sure that you
are aware of it. And when you talk to your health care provider, asking them, they
may consider your plan. They may say, “Is it Obamacare?” Obamacare is basically all of the new
health care, whether it’s on or off the exchange and basically all
the new reforms are, I guess, potentially
considered Obamacare. So, be careful about definitions that are thrown at you by
providers. We had a lot of confusion with that, and just be wary of your health care providers. Wary in the sense that you want to make sure that
they participate on your plan. Anyway, I just want to bring that up. Have
a wonderful afternoon, evening, morning whenever you’re seeing this, and thanks for your attention. Take care, bye bye.

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