How difficult is it for people with marketplace insurance to find in-network health care providers, and how do delays and challenges in accessing care affect people’s lives? This report is based on in-depth qualitative research that followed fifteen people covered by insurance plans purchased on state and federal marketplaces as they tried to find in-network diabetes care providers. Overall, participants in this research struggled to find in-network diabetes care providers who were located close to them and had appointments available in a reasonable timeframe. They felt that there were not enough in-network diabetes care providers covered by their insurance and wanted their plans to include more in-network providers. Participants found the process of searching for providers to be complex, time-consuming, and frustrating. They reported that the search process and delays in getting care negatively affected their physical and mental health, work, relationships, and finances. They cited a need for centralized, continuously updated directories or systems to find prospective providers, check which insurance plans they accept, find their locations, and seamlessly book appointments. All fifteen participants in this study were searching for diabetes care providers either because they were newly diagnosed with Type 2 diabetes, had an existing diagnosis but were no longer receiving adequate care from their current provider, or because their current provider no longer accepted their insurance. The participants answered weekly structured prompts from October 11 to November 14, 2022, as they searched for providers, tried to figure out which were in network, and tried to schedule appointments.
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