Monday, December 16, 2013

We know health reform is big and confusing. Some parts of the law started in 2010. Other parts are rolling out over the next several years. Texas physicians and the Texas Medical Association have carefully studied the law to help you understand what the changes mean to your health care. 

As the Affordable Care Act (ACA) continues to roll out, Me&My Doctor’s “Hey Doc” series will answer your frequently-asked questions, as well as some you might not have thought to ask. 

Check out part 16 in this series.

Q. Can I keep my doctor or go to my neighborhood hospital when I sign up for marketplace insurance?

A. Maybe. Not all doctors and hospitals are participating in the marketplace. So keeping your doctor or local hospital depends mostly on the insurance plan you choose. And remember that not all plans have the same networks, and it varies by region. So before you buy, it’s a good idea to check not just the costs of the plans but also whether your doctor and hospital are in the plan’s network if you want to keep them.

If your doctor and hospital are in your plan’s network, then chances are you can still get your care from them. If your doctor or hospital is not participating in your plan network, then you’ll probably have to pay more out of pocket to continue seeing them. That’s because most marketplace insurance plans require you to use the doctors and hospitals in their networks. So you’ll have to decide what’s affordable for you.

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