What doctors and hospitals are in the provider network?
In most cases, PPO and HMO networks for individual plans closely overlap those of employer group plans. With PPO Plans you can expect most private doctors and hospitals to be in-network. Carriers like Blue Cross and Blue Shield include over 50,000 physicians (over 80% of the physicians in California) with no referrals or authorizations necessary. The networks for HMO Plans are more limited. You may use only your chosen primary care physician and the hospitals who belong to the same medical group or IPA (“Individual Practice Association”) that your Primary Care Physician belongs to. You also need to get a referral from your Primary Care Physician to see any specialists or to have any work done that your Primary Care Physician can not do in their office. You may search for a provider network at using our Doctor Finder.
In most cases, PPO and HMO networks for individual plans closely overlap those of employer group plans. With PPO Plans you can expect most private doctors and hospitals to be in-network. Carriers like Blue Cross and Blue Shield include over 50,000 physicians (over 80% of the physicians in California) with no referrals or authorizations necessary. The networks for HMO Plans are more limited. You may use only your chosen primary care physician and the hospitals who belong to the same medical group or IPA (Individual Practice Association) that your Primary Care Physician belongs to. You also need to get a referral from your Primary Care Physician to see any specialists or to have any work done that your Primary Care Physician can not do in their office. You may search for a provider network at using our Doctor Finder.
