My doctor says he accepts a certain insurance carrier, so why don’t I see that doctor in the provider directory for my plan?

For example, if your doctor says he accepts BCBS, you need to understand that BCBS has many, many different provider networks in every State. Some are linked only to employer group health plans, some are linked to Federal government employer plans, some are linked to health insurance policies for individuals through the Marketplace. The bottom line is to make sure that the doctor you want to see is in the network of the plan you have. A doctor’s office simply stating that “we take BCBS” is not good enough.