I have a doctors appointment for my son on Thursday, and i just don't like the doctor office we have been going to because everyone is so rude, so i want to switch doctors how do i go about doing so with the insurance and how long will it take before he can be seen buy a new doctor so that the insurance pays for it?
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Depends on your plan. PPO or Open Access type of account would result in an immediate remedy for your situation. Call your carrier or refer to their website for an in-network doctor for the most cost-effective treatment. HMO with a referral option would require you to change your PCP. Since HMO's are dictated by the state you would have to reach out to your carrier to change the doctor. Some jurisdictions will allow immediate changes others may require 30 or 15 days notice. I have seen companies like Aetna that allow to change everyday. In summary, call your carrier and validate.
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