What is the best health insurance plan for someone living in New York City, who has Irritable Bowel Syndrome and acid reflux? I want to be able to see gastroenterologists when I need to have specialized procedures or tests done.
Sour Tummy in NYC
Dear Sour Tummy,
Since you know where you will be living and what condition you will be treating, you can do some in-depth research about the plans’ networks. In New York, Empire Blue Cross and Blue Shield has the largest share of the individual health insurance market. Blues plans typically have the widest, most inclusive provider network. So you might want to give their plans special consideration.
You could also ask your current doctor whom he/she uses for GI referrals. Then you could check these specialists to see whether they are in-network for the plan you want.