038 When It Comes To Health Insurance, Don’t Listen To Your Doctor explains why your health insurance remains valid even though your doctor states that they no longer “take insurance”.

Your health insurance contract has absolutely nothing to do with your doctor or the hospital or the pharmacy.....even though they will explain to you that it is the insurance company at fault for all kinds of issues that affect how and when you can receive treatment.

Scott explains that the contract that the doctor, hospital and pharmacy are constrained by is a Provider Contract or Provider Agreement.  The Provider Agreement may state that it is by and between the doctor/hospital/pharmacy and a named insurance company and its affiliates, but it is completely separate and distinct from the contract you or your employer has that provides your insurance/health plan that pays you as the beneficiary of your policy.