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How to Schedule a Doctor’s Appointment in the US

You woke up with a sore throat, you can’t seem to pull yourself out of bed and your head is pounding. Although you have a busy day of classes ahead of you, it’s starting to happen: you’re getting sick. Luckily, you purchased health insurance coverage before you even arrived in the US, which means you can visit the doctor and feel better in no time. However, visiting the doctor in a new country is easier said than done. If you’re not sure how to schedule a doctor’s appointment in the US, or how to even find a doctor, following these steps can help simplify the process:

1. Know what plan you have. It might sound basic, but the very first step is to know what plan you have. Gather your insurance policy documents and insurance ID card as these will state the name of the insurance plan, the insurance carrier, and your insurance ID number. Insurance policy documents are often emailed, so if you didn’t print your documents upon purchase or request to receive them through mail, checking your email inbox for this information is a good place to start.

2. Verify your coverage. After you have gathered your plan documents, if you’re not sure what’s covered on your plan- now is the time to check. You can do this by calling the insurance company directly. When calling the insurance company make sure you reference your insurance ID number on your policy documents.

3. Find a doctor. If your plan uses a PPO (Preferred Provider Organization) then you will have a list of “in-network” providers to choose from. This list will include hospitals, urgent care clinics, specialists and family doctors, and can typically be found by visiting the insurance company’s website or your insurance agent’s website directly.

Before you can find a doctor and make an appointment, you must first know what type of provider is appropriate for your situation. Inside the United States minor illnesses and injuries are taken care of by scheduling a doctor’s appointment or by visiting a walk-in clinic. The emergency room is only utilized in instances of a true emergency, and will often include an additional fee.

HMO (Health Maintenance Organization) plans require that you have one primary care physician that you visit. Unless it’s an emergency, this physician will need to issue you a referral if additional treatment is needed.

Additional tip: If you have purchased the Student Health plan or the Travel Medical plan you can find the in-network provider list here. If you purchased the Student Health Advantage plan, the Patriot Travel plan, or the Global Medical plan you can find an in-network provider here.

4. Schedule your appointment. The next step is to call the doctor directly and schedule your appointment. If your plan uses a PPO, when calling the provider, it’s important to let them know what network your plan is a part of. For example, if you have the Student Health plan you will want to tell the office that your plan is a part of the First Health Provider Network. The name of the network your plan uses can be found within your plan documents or on your insurance ID card.

Additional tip: The name of your health insurance plan is not the same as the provider network. Keep in mind that you will need to know the specific network when scheduling your appointment.

5. Attend your appointment. Make sure you print and bring your insurance ID card with you to your doctor’s appointment. When you arrive at the provider’s office show them your insurance ID card when checking in.

Depending on your plan, you may need to pre-authorize treatment with the insurance company in certain instances, like surgery. This can be done at the time of verifying your coverage, or you can ask your provider to pre-authorize coverage prior to the procedure during your visit.

6. File a claim. The claim process can vary from one health insurance plan to the next. However, you can find a good guide to help you through the process of submitting an insurance claim here.

Posted by Bryanna Davis

Bryanna joined International Student Insurance in 2011 after returning to the United States from teaching English in China. Her interest in international education, sparked initially by her own study abroad experience in Wales, led her to the company. Bryanna is originally from Missouri and is a graduate from the University of Central Missouri.

7 thoughts on “How to Schedule a Doctor’s Appointment in the US”

Roslyn millard says:

I need to on when is my apptment for this week i did the date in time

Roslyn millard says:

Can you have someone to call me

Hi Roslyn,

Thanks for your blog comment. We can only assist you with your health insurance questions. If you’d like to contact us please call us at +1.904.758.4391 Monday-Friday 8am-6pm EST or you can email us at info@internationalstudentinsurance.com.

Please let us know if you have any other questions.

Nakita says:

I need to set up dr appointment

Hi Nakita,

Thanks for your comment. Please contact the provider directly to set up an appointment. If it’s urgent, we would recommend going to an Urgent Care clinic as these clinics don’t require an appointment.

Best of luck!

Ashley Maxwell says:

I really like how you said that a doctor should be able to let you schedule an appointment or walk-in if needed. I also like how you said that you should have medical coverage. My husband and I are considering looking into doctors that we could walk-in to if needed. http://southernfamilymedicine.org/

Hi Ashley,
For non-emergency medical care that you need attention for (examples would be the flu, a cold, and minor injuries and illnesses), please visit a local doctor, urgent care center or walk-in medical clinic. Providers can typically be located using an online provider search tool. Doctors will require an appointment, while clinics may let you walk in for immediate assistance. Please note: Do not go to the emergency room if it is not a true emergency, as an illness that is not admitted will be subject to an additional deductible. I have sent you an email to provide you with more information about our plans available for you and your husband.
Please let us know if you have any questions!

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