Our Hospitals

It's a good idea to confirm your doctor and your hospital of choice are covered by your new insurance for the upcoming year by checking the insurance website or calling your insurance carrier directly. Do not assume your physician is covered without checking first. Doctors and hospitals may periodically change the insurance they accept.

One type of health insurance is not better than the other, but there are differences. With an HMO plan you will choose a Primary Care Provider (PCP), who will coordinate the care you need for any specialists. Services are all provided through physicians and facilities in the health plan's HMO network. With a PPO you may also choose a PCP, but you will not need a referral to see another physician. It will usually cost less to see in-network physicians than an out-of-network physician. Whether you are considering an HMO or a PPO, you can check which doctors, medical groups, hospitals, etc. are in the network before you enroll.

A health insurance broker or agent is a person who can help you apply for help to pay for your health insurance and enroll in a health plan. They can make specific recommendations about which plan to enroll in based on your health care needs. They are licensed and regulated by states and typically get payments, or commissions, from health insurers and therefore, consumers do not pay for their services. Dignity Health offers a list of brokers here who provide enrollment assistance over the phone and in person.