Finding a primary care doctor
Pick an in-network primary care provider from your plan's directory, call to confirm they take your plan and new patients, and book a checkup. Many preventive services cost nothing in network.
You'll need
- Your insurance card
- A list of your medicines and past conditions
Do it like this
- Know what a primary care provider (PCP) does: preventive care, common conditions, and referrals to specialists (MedlinePlus).
- Search your plan's provider directory, or call the number on your card (HealthCare.gov).
- Call the office. Ask if they accept your plan and are taking new patients (HealthCare.gov).
- Book a checkup. Most plans must cover certain preventive services at no cost in network, even before you meet your deductible (HealthCare.gov).
- Bring your card, your medicine list and your questions written down.
Watch out. Out-of-network doctors usually cost more. Confirm before you book (HealthCare.gov).
If it doesn't work
- Plan won't pay for a visit? You have the right to appeal and have it reviewed by an independent third party (HealthCare.gov).
- Can't find anyone? Marketplace plan members can call the Marketplace Call Center at 1-800-318-2596 (HealthCare.gov).
- Didn't click with the doctor? You can switch. A PCP is a long-term relationship, so it's worth finding a fit.
Good to know
Doctors aren't the only PCPs
Nurse practitioners and physician assistants can also be your primary care provider (MedlinePlus).
Types of PCP
Family medicine and internal medicine doctors both see adults (MedlinePlus).
Preventive care
Preventive services like screenings and vaccines are generally covered without a copay in network (HealthCare.gov).
Sources
- MedlinePlus (National Library of Medicine) Choosing a primary care provider
- HealthCare.gov Getting medical care
- HealthCare.gov Preventive care benefits
Lesson B4.1 · Last checked October 2, 2026 against the sources listed. See a mistake?
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