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Care tools

Find a provider near you.

Hospitals, urgent care, labs and imaging, behavioral health, dental, vision, and pharmacy. Search by city or ZIP code and we will show you which directory can confirm they take your plan.

Start here

Search by location.

Nothing you type is stored or sent anywhere. The kind of provider you pick decides which directory we point you at.

Provider search

A city and state works as well as a ZIP code. If you are looking for one specific place, put its name in the first field.

Leave this blank to search by type alone.

Used to suggest the right directory.

Networks and facility lists are local.

We do not store what you type here. Nothing is sent anywhere until you choose a link below.

Where to go

The setting changes the bill more than the diagnosis does.

The same sore throat can cost four different amounts depending on where you have it looked at. When it is not an emergency, the cheapest appropriate setting is usually the right one.

  • Lowest cost, same day

    A nurse line or virtual visit

    Most plans include a 24-hour nurse line, and many include telehealth at a low or zero copay. Both are printed on the back of your member ID card. Start here when you are unsure how urgent something is.

  • Routine and follow-up

    Your primary care office

    The cheapest place for anything that can wait a day or two, and the only place that keeps your full history. Many practices hold same-day slots for existing patients.

  • After hours, not an emergency

    Urgent care or a retail clinic

    Sprains, minor cuts, infections, and illnesses that will not wait for an appointment. Typically a fraction of what the same visit costs in an emergency room.

  • Emergencies only

    The emergency room

    Chest pain, difficulty breathing, severe bleeding, stroke symptoms, or any threat to life or limb. Call 911. Federal law requires emergency care to be covered at the in-network cost-sharing level wherever you are treated.

Before a scheduled visit

Six checks that keep a planned visit from turning into a surprise bill.

Most surprise bills come from a detail nobody checked: a facility that was in network while one of the clinicians working inside it was not, a lab sample sent to an out-of-network processor, or a procedure that needed authorization the office never requested. Every one of those is easier to sort out in the week before the appointment than in the month after the bill. Ten minutes on the phone is the cheapest part of any scheduled procedure.
Read your billing protectionsLook up a term from your plan documents
  • Search the facility in the directory tied to your plan, not a general web search
  • Call the facility and read them the plan name and network name from your member ID card
  • For a scheduled procedure, ask whether every provider involved is in network, including the anesthesiologist and any lab
  • Ask whether prior authorization is required, and get the authorization number before the date
  • Request a good faith estimate in writing if you are uninsured or paying cash
  • Keep the name of everyone you spoke with and the date, in case a bill needs to be disputed later

Good to know

Questions about finding a provider.

Why can I not search a live directory here?
Because there is not one directory to search. Every insurer publishes its own list, networks differ between plans from the same insurer, and they change during the year. A combined list on this page would be out of date within weeks and could cost you money. What we can do reliably is send you to the directory that governs your plan, plus the free federal directories that are current.
What is the difference between a doctor search and a provider search?
Our doctor lookup is aimed at individual clinicians: a primary care doctor, a specialist, a therapist. This page covers places and facilities: hospitals, urgent care, labs and imaging centers, dental and vision offices, pharmacies, and long-term care. Both are checked against the same plan network, and both start from the same question of which plan you have.
The hospital is in network but I still got a bill from a doctor there. Why?
Hospital-based clinicians such as anesthesiologists, radiologists, and pathologists are often billed separately and are not always in the same network as the hospital. The No Surprises Act protects you from balance billing in many of these situations, including emergency care and most out-of-network care delivered at an in-network facility. If a bill looks wrong, do not pay it before you check.
How do I find care without insurance?
Federally funded community health centers see patients regardless of insurance status and charge on a sliding scale based on income, and many include dental and behavioral health. You can also ask any provider for a good faith estimate in writing before a service, which you are entitled to when you are uninsured or not using insurance. If you are uninsured because you missed an enrollment window, check whether a recent life event opens a Special Enrollment Period.
Browse all insurance FAQs

Coverage first

See which plans cover the providers near you.

Enter your ZIP code to compare the plans sold in your county and the networks that come with them.

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