If You Like Your Doctor . . . .

See if this sounds familiar. “If you like your doctor, you can keep your doctor. Period. If you like your health insurance plan, you can keep your health insurance plan. Period.”  If you like your doctor you can keep your doctor

While much has been said about NOT being able to keep your plan, almost nothing has been mentioned about keeping your doctor.

 

You May Like Your Doctor But . . .

If you like your doctor, fine. But your doctor may not like you. More precisely, they may not like your new #Obamacare plan.

Especially if you bought it on the exchange.

Many doctors are disturbed they will be paid less — often a lot less — to care for the millions of patients projected to buy coverage through the health law’s new insurance marketplaces (exchange).

If providers are paid less, “are [enrollees] going to have difficulty getting physicians to accept them as patients?”

NBC News

Most Obamacare plans sold ON THE EXCHANGE in Georgia are HMO’s with very tiny networks. When you buy one of these plans you get a list of docs and are told “Pick one”.

This isn’t Burger King.

You can’t have it your way.

If you like your doctor, get over it. Your doctor may not be on the list.

The benchmark for physician fees is the rate the federal government sets for services provided to older Americans through Medicare. In many markets, commercial plans may pay slightly above the Medicare rates, while doctors say that many of the new exchange plans are offering rates below that.

Physicians are uncomfortable discussing their rates because of antitrust laws, and insurers say the information is proprietary. But information cobbled together from interviews suggests that if the Medicare pays $90 for an office visit of a complex nature, and a commercial plan pays $100 or more, some exchange plans are offering $60 to $70.

One of the bugaboo’s of buying on the exchange is, you may never know who is in the network and who isn’t until AFTER your policy is issued.

There is a relatively simple solution.

Buy your Obamacare plan OFF the exchange. Carriers offering plans off the exchange usually have the same rich networks as before Obamacare.

So if you like your doctor, pay a little more and get a quality plan OFF the exchange. We have found Humana rates for 2014 to be very competitive and they offer a broad National PPO network.