You can use the Take Command Platforms to search for Provider and compare health plans based on provider network participation.
How do I check whether my Provider is in-network?
When comparing plans on the Take Command Portals:
On HRA Hub:
Enter your Provider/Providers names when prompted. Try to match to the correct location that you see your Provider at.
2. After finishing the rest of the prompts, the platform will show you what plans
have your Provider/Providers in network.
On Legacy:
1. Click on the Doctor Search box on the top left-hand corner and then enter your Provider. Click on the Provider name. Once you have completed entering your Provider/Providers, click on Refresh Plans.
The Platform will show which Providers appear in network.
You will see: Your Doctors 1/1 (Meaning you entered 1 and 1 is in network) OR 0/1 (Meaning the entered 1 Provider is not in network)
How do I compare plans based on my Providers?
After adding your providers, each plan displays how many of your selected providers are in-network if any. You can click on the compare box to compare the plans that appear to have them in network to compare.
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 Provider's office.
Should I contact my Provider's office?
Yes! Before enrolling, it is always a good idea to contact your Provider's office and confirm:
The insurance carrier
The specific plan name
The network associated with the plan
Always state your plan is a marketplace plan.
Example: "Are you in network with UHC marketplace plan"
This is the most reliable way to verify participation before enrolling. Providers have the final say on who they are in network with.
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.
Providers decide on who they are in and out of network.
What should I do if I find conflicting information?
If the information on our Platforms 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.
Always defer to your provider's office regarding their network status, as they have the final say on which insurance plans they accept.
Common in-network questions after enrollment
I enrolled and my provider told me they are not in-network — what do I do?
If you enrolled based on our Platform network data but your Provider'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 our Care team. Depending on timing and your enrollment type, a plan change may be possible if you were given inaccurate network information during enrollment and you still are in a special enrollment period or during Open Enrollment.
My Provider 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 provider 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 Platform showed my prescription is covered, but the pharmacy says it is not.
Drug formulary coverage on our Platform 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 Advisory 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.