Care tools
Find a doctor in your network.
Tell us the kind of doctor you need, the plan you have, and where you live. We will show you exactly which directory can confirm they are in network, and what to ask when you call.
Start here
Search for a doctor.
Nothing you type is stored or sent anywhere. The form uses your answers to pick the right directory for your plan.
Why network matters
The network decides the price more than the plan name does.
A network is the set of doctors, hospitals, and facilities that agreed to a negotiated price with your insurer. Stay inside it and you pay the agreed share. Step outside it and you can be responsible for the difference between what the provider charges and what your plan is willing to pay, which is where surprise bills come from. Two plans from the same insurer, at the same metal tier, can use different networks, so the network name printed on your member ID card matters as much as the plan name. When you are comparing plans, look up your current doctors in each plan directory before you enroll: it is easier to pick a plan around a doctor than to change doctors after enrollment.
- In-network care costs less because the insurer and the provider agreed on a price in advance
- Out-of-network care may be paid at a lower rate, or not covered at all outside an emergency
- HMO and EPO plans generally cover out-of-network care only in an emergency
- PPO plans usually cover out-of-network care, but at a higher share of the cost to you
- Emergency care is covered at the in-network cost-sharing level under federal law, wherever you are treated
- Networks change during the plan year, so confirm again before a first appointment or a procedure
Already a member
The portal gives you the live answer.
Signed-in provider search is tied to your member ID, so it reflects your actual network, your referral rules, and what you have paid toward your deductible this year.
Good to know
Questions about finding a doctor.
Why does this page not show me a list of doctors?
Because we would have to guess. Provider networks belong to the insurer that issued your plan, they differ by plan and by county, and they change during the year. A list we published today could send you to a doctor who left your network last month, and you would find out when the bill arrived. Instead we point you at the directory tied to your plan, which is the source your insurer will hold itself to.
How do I know for certain that a doctor is in my network?
Check twice. Look the doctor up in the directory your plan publishes, then call the office and ask whether they are in network for your specific plan, reading the plan name and the network name printed on your member ID card. Practices often accept one plan from an insurer and not another. Ask again if it has been more than a few weeks since you checked.
What if my doctor is not in any network I can buy?
You have three practical options: stay with the doctor and pay the out-of-network share, ask the practice whether they will file a single-case agreement with your insurer, or choose a plan during the next enrollment period whose network includes them. If you are shopping now, check the network before you enroll rather than after.
Do I need a referral to see a specialist?
It depends on the plan. HMO plans usually require a referral from your primary care doctor, and some also require prior authorization from the insurer for certain procedures. PPO and EPO plans generally let you book a specialist directly. Your plan documents state the rule, and getting it wrong can leave the visit uncovered.
I do not have insurance yet. Where can I get care?
Federally funded community health centers see patients regardless of insurance status and charge on a sliding scale based on your income. You can find one through the federal health center locator. If you are uninsured because you missed an enrollment window, check whether a life event such as losing coverage, moving, or a change in household size opens a Special Enrollment Period for you.
No plan yet
Pick the plan, and the network comes with it.
Enter your ZIP code to compare the plans sold in your county, then check their directories for the doctors you want to keep.