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How To Maximize Use Of A POS Health Insurance Policy

How To Keep Your Doctor When You Change Health Plans

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Ask your doctor if he or she will join the new plan.

If the doctor will join the new plan, you're set. If not, find out why. The doctor's reason(s) may give you insight into your new plan.

See if the plan has a provision about "continuity of care" under which you have a right to continue to see your doctor for a period of time -- such as ninety (90) days -- or until the doctor certifies it is safe to transfer you to a new doctor.

Check your state law. Even though there is nothing stated in your policy, you may have the right to stay with an out-of-plan doctor, at least for a period of time. To learn about the law in your state, see: offsite link . To find the contact information for your state's insurance department, see: offsite link

If there is no right to continue to see your doctor, decide whether it is worth it to you to pay the additional money required to see a doctor who does not participate with the POS insurance plan. It may be worthwhile for a short period of time (say during treatment.) Ask the doctor to order tests and treatments through in-network doctors. 

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