As long as your doctor will accept your insurance and is "in-network" with your insurance company, all is well.
But just because that is true in one calendar year does not mean it will be in the next.
Every year doctors, pharmacies and insurance companies can change their positions on whether on not they will agree to one another's changes, charges, coverage, etc.
Aye, that is the rub, said one Shakespeare character to another.
I discovered today that the surgeon I saw six weeks ago is not considered "In-network" with my health insurance company. That means that much of the expense involved with cardiac surgery would not be covered and we would have to pay them "out-of-pocket."
That's not happening. It will be hard enough to pay the additional expense above what insurance does cover.
So, we go back to the drawing board, so to speak. I have to find out whether or not the surgeon who was recommended to me at the outset by my cardiologist is covered by my insurance. At present, they are in "negotiations" - and apparently it could go either way.
I sure hope I don't have to go to another whole different set of doctors. The stress of it all is likely to make me worse off than I am.