02/18/2026
Why choose an out-of-network doctor for your care? 👩🏻⚕️
I have a high-deductible PPO health insurance plan. My daughter recently needed to see a specialist, so I started the search. My pediatrician gave me recommendations, and I also asked friends if they had anyone they liked. I then went to the insurance directory to see who was in-network, because of course it makes sense to use an in-network doc, right? I won’t need to pay as much if I go in-network, right? Well, I couldn’t find anyone from my procured list who was in-network, but after looking at websites and watching videos and hearing more recommendations from friends and family, I found the perfect out-of-network doctor who had everything I wanted:
✅ Experience
✅ Convenient location
✅ Accessible office
✅ Friendly and competent office staff
✅ An appointment within a week
✅ Highly recommended
I chose this doc because I want the best for my family, though there was this part of me that still felt hesitant to use an out-of-network doctor.
And you know what? I couldn’t have made a better decision. We saw this specialist 3 times last year, paid our out-of-pocket expenses after the insurance was billed, and never even got close to our deductible. Even if we had gone to an in-network doctor, we would have paid the same amount because we never would have reached our deductible. The physician was amazing - he spent time with us, answered our questions, included us in the decision-making, had a wonderful bedside manner, and my daughter actually looked forward to her visits! 😊 And the peace of mind to know that I went to the doctor I wanted to go to was worth every penny. 🪙
Don’t base your decisions on the insurance companies’ rules and options. They are set up to make the insurance companies as much money as they can make. 💰💰💰 Make your medical decisions based on getting the best care out there for you and your family. You will not regret it.
I know I don’t. 👏👏👏
