Tips for choosing a health plan

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If you are choosing a health plan for the first time:

To keep your primary care provider (PCP), choose a health plan your PCP is in. Use these questions to help you choose the best health plan for you:

  • Do you want to keep your current provider? Or do you want a new one?
  • Does the health plan have the providers, hospitals and specialists you use? To find out, go to Find a provider.
  • Does anyone in your family have special health needs?
  • What added services does the health plan have? To view each health plan’s added services, go to View health plans.

If you want to change the health plan you chose or that we chose for you, here are some things to think about:

  • You can change your health plan up to 90 days after the start date shown on your health plan enrollment letter.
  • After 90 days, you cannot change your health plan unless you have a special reason.
  • You can change your health plan at any time for these reasons:
    • You moved out of your health plan’s area.
    • You need a service that your health plan does not cover for moral or religious reasons.
    • Your health plan says you need multiple services they cannot provide, and your PCP says you need services right away.
    • You need services that meet specific needs, such as developmental disability, behavioral health, traumatic brain injury or substance use disorder.
    • You are a federally-recognized tribal member or qualify for Indian Health Services (IHS).
  • Every year at your recertification, you will be able to change your health plan within 90 days.

If you want to keep the health plan you chose or that we chose for you, you don’t have to do anything.

To learn more about benefits and coverage, contact the health plan. You can find health plan contact information at Contacts and links.

If you need help, call us at 1-833-870-5500 (TTY: 1-833-870-5588). The call is toll free. Or use the chat tool to chat with us online.