What can I do if I enroll in a You can contact your plan to request an exception for Marketplace plan, but my doctor isn’t out-of-network care to be covered like in-network care. in my plan’s network? You may also qualify as a continuing care patient if you’re getting treatment from a provider or facility and If you enroll in a Marketplace plan and find out that your health plan terminates your provider’s contract. your doctor isn’t in the plan’s network, you can switch Contact your plan to see if you qualify for in-network to another plan until the date your coverage starts. Find exceptions or continuity of care. out when your new coverage starts before you cancel your current plan, so you won’t have a gap in coverage. If you go to your doctor and find out later that your If you decide to switch plans, make sure your doctor is new plan doesn’t cover your doctor or doesn’t pay for in your new plan’s provider network. You can find a link the visit, you have the right to appeal the decision and to a list of providers in each plans’ network in the plan have it reviewed by an independent third party. Visit description in your Marketplace account. You can also HealthCare.gov/appeal-insurance-company-decision/ contact your health insurance company to see which appeals/ to learn about the appeals process. doctors, hospitals, and other health care providers are in your plans’ network. After your coverage starts, you won’t be able to change your plan until the next Open Enrollment, unless you get a Special Enrollment Period because you experience certain life events. Qualifying life events include losing health coverage, getting married, moving, or having a baby. Visit HealthCare.gov/reporting-changes if you need to update your application because of a life event. HOW CAN I LEARN MORE? To learn more about coverage through the Marketplace or your benefits and protections, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325. You have the right to get Marketplace information in an accessible format, like large print, Braille, or audio. You also have the right to file a complaint if you feel you’ve been discriminated against. Visit CMS.gov/about-cms/agency-information/aboutwebsite/cmsnondiscriminationnotice, or call the Marketplace Call Center at 1-800-318-2596 for more information. TTY users can call 1-855-889-4325. CMS Product No. 11766 Revised February 2022 This product was produced at U.S. taxpayer expense. ® Health Insurance Marketplace is a registered service mark of the U.S. Department of Health & Human Services.