You can use the Take Command Plan Finder to search for doctors and compare health plans based on provider network participation.
How do I check whether my doctor is in-network?
When comparing plans in the Take Command Plan Finder:
Open the available plans page.
Select Preferences.
Enter your doctor's name.
Refresh your plan results.
The Plan Finder will show which plans include your selected providers in their network.
How do I compare plans based on my doctors?
After adding your providers, each plan displays how many of your selected doctors are in-network.
To view additional details:
Select View Details on a plan.
Open the Doctors section.
Review provider network information for that plan.
Why is it important to check provider networks?
Provider networks vary by:
Insurance carrier
Plan type
Geographic area
Specific plan option
For example:
An HMO may have a smaller provider network.
A PPO may offer broader access to providers.
Two plans from the same carrier may have different provider networks.
A doctor that participates in one plan may not participate in another plan offered by the same insurance company.
Can provider network information change?
Yes. Insurance carriers periodically update provider networks, and healthcare providers may join or leave networks throughout the year.
Because network participation can change, provider directories may occasionally differ from the information available directly from a doctor's office.
Should I contact my doctor's office?
Yes. Before enrolling, it is always a good idea to contact your doctor's office and confirm:
The insurance carrier
The specific plan name
The network associated with the plan
This is the most reliable way to verify participation before enrolling.
Why might network information appear inconsistent?
There are several reasons:
Provider directories may not have been updated yet.
Hospitals and physicians may have separate network contracts.
Geographic search filters may exclude some providers.
Providers may participate in some plans but not others from the same carrier.
What should I do if I find conflicting information?
If the information in the Plan Finder appears different from what your provider's office reports:
Confirm the exact plan and network name.
Ask the provider's office to verify participation.
Save screenshots or documentation for your records.
Contact Take Command if you believe network information needs to be reviewed.
Key takeaway
The Take Command Plan Finder can help identify plans that include your preferred doctors, but you should always verify network participation directly with the provider before enrolling in a health plan.
Common in-network questions after enrollment
I enrolled and my doctor told me they are not in-network — what do I do?
If you enrolled based on Plan Finder network data but your doctor's office says they are out-of-network, contact your insurance carrier directly. Ask them to confirm whether the provider participates in your specific plan's network (the carrier is the authoritative source, not the provider directory).
If the carrier confirms the provider is out-of-network and you enrolled recently, contact Customer Experience. Depending on timing and your enrollment type, a plan change may be possible if you were given inaccurate network information during enrollment. Include the carrier's confirmation and a description of what the Plan Finder showed.
My doctor is in-network for the carrier but not for my specific plan
Carriers can have multiple networks across different plans. A doctor who participates in a carrier's broad PPO network may not be included in the carrier's narrower HMO or EPO network, even though both are from the same carrier.
Always verify your doctor against your specific plan name — not just the carrier name. The provider's office should be able to confirm participation by plan name, not just carrier.
The Plan Finder showed my prescription is covered, but the pharmacy says it is not
Drug formulary coverage in the Plan Finder reflects carrier-reported data and may not account for formulary exceptions, prior authorization requirements, or recent formulary changes. Contact your carrier's pharmacy benefits line directly to confirm:
Whether your specific medication is on the formulary.
What tier it is on (affects your copay).
Whether prior authorization is required.
Whether a lower-cost generic or therapeutic alternative is available.
The Enrollment Team can help you identify plans with better formulary coverage for specific high-cost medications before enrollment — contact them if you are still in a selection window.
I need a referral under my HMO to see a specialist — how does that work?
Under most HMO plans, you must see your primary care physician (PCP) first, who then provides a referral for specialist visits. Seeing a specialist without a referral typically results in no coverage or higher cost-sharing.
Contact your insurance carrier's member services line to confirm your referral process, how long referrals are valid, and how to change your designated PCP if needed. Take Command does not manage referrals or coordinate care — these are handled entirely by your carrier.