What to Do If Your Doctor Leaves Your Network
It’s frustrating when you find out your trusted doctor or clinic is no longer covered by your health insurance plan. Unfortunately, provider networks change—but you still have options.
Why Do Networks Change?
Insurance companies regularly update their contracts with hospitals, clinics, and doctors. If a provider leaves the network, it means they no longer have a cost agreement with your plan.
What It Means for You
- In-network providers = lower costs
- Out-of-network providers = higher costs, or sometimes not covered at all
What To Do Next
- Check your plan: Log in to your insurer’s portal or call customer service to confirm coverage.
- Ask about continuity of care: Some insurers allow you to keep your doctor temporarily if you’re in the middle of treatment.
- Look at other providers: Find another doctor in-network to keep costs manageable.
- Explore plan changes: During open enrollment or a special enrollment period, you may be able to switch plans.
👉 A Briva Health Navigator can help you understand your options and avoid unexpected bills if your doctor is no longer covered.