How the matcher works
Three steps. About 60 seconds.
Step 1
Add the doctors you see
Search by name or NPI. Add up to 10 — primary care, specialists, your kid's pediatrician, your therapist.
Step 2
We check 84 insurers
Across 119M+ insurance-acceptance records from federal Transparency in Coverage filings and FHIR provider directories.
Step 3
Plans ranked by coverage
A plan covering 5 of 5 of your doctors ranks above one covering 4 of 5. Filter by state and plan type. Share the URL with your spouse or HR.
Why we built this
Every American switching insurance plans faces the same question: Will my existing doctors be covered? Today the answer requires calling each doctor's office, searching each insurance company's site, and reading fine print on Healthcare.gov. People still get it wrong and lose a doctor mid-year.
No existing tool lets you input your actual doctor list and rank plans by coverage of them. Zocdoc and Healthgrades let you find doctors that take a single insurance you already chose. Healthcare.gov shows premiums but makes you verify each doctor manually per plan. Insurer sites only show their own networks.
We have 119 million insurance-acceptance records across 84 insurers from public federal data. The matcher uses that to flip the question: tell us your doctors, we'll tell you the plans.
Related tools and pages
The matcher works best alongside these
Open Enrollment 2026 guide
Key dates, eligibility, plan types, and what changes when you switch. Start here if you have a deadline.
Compare Insurance Networks
Aetna vs Cigna vs UHC side-by-side — total doctors, specialty breakdown, state strength. Useful before you pick two finalists to match.
Insurance Coverage Map
See which states each insurer has the strongest network in. Useful if you’re moving or evaluating multiple practice locations.
All 84 insurance networks
Browse every insurer in our database. Drill into specific state and city pages for full doctor lists.
Frequently asked questions
Common questions about how the matcher works
How accurate is this?
Coverage data comes from insurer-published Transparency in Coverage files and FHIR provider directories — the same sources insurance companies use to publish their networks. We refresh periodically. Networks do change, so always confirm with the insurer or doctor's office before enrolling.
Which insurance companies are covered?
All 84 major US insurance entities, including Aetna, Cigna, UnitedHealthcare, Humana, Blue Cross Blue Shield affiliates (BCBS Illinois, BCBS Texas, Highmark, Florida Blue, Anthem, etc.), EmblemHealth, Molina, Medicare, and most state and regional Blues.
Why is my doctor not showing up?
We pull from CMS's National Provider Identifier registry, which covers 5.5M US providers. If a doctor doesn't appear, try searching by their 10-digit NPI (it's usually on a billing receipt or insurance card). NPI is the most reliable lookup.
Will using the matcher cost anything?
No. The tool is free, no signup, no email required. We don't sell your data. We make money from doctor-claim subscriptions and ad placements, not from steering you to specific plans.
I'm on Medicare — does this work for Medicare Advantage?
Yes. We include Medicare Advantage networks. Filter by plan type "HMO", "PPO", or "SNP" to narrow down. For Original Medicare (Part A + B), most US doctors accept it — the matcher will show Medicare as a plan when your selected doctors accept assignment.
Can I share my results?
Yes — every search becomes a URL you can copy and send. Useful for comparing with a spouse, HR rep, or financial advisor without re-entering doctors.
Where the data comes from
Public federal sources, refreshed periodically
Insurer networks come from federal Transparency in Coverage filings (required of all health plans since 2022) and FHIR provider directories (federally mandated for ACA marketplace plans). Doctor identities and specialties come from the CMS National Provider Identifier (NPI) registry. Plan-type classification (HMO, PPO, EPO etc.) is enriched with the CMS Qualified Health Plan and Medicare Advantage Landscape datasets.
Insurance networks change. The matcher reflects the most recent insurer publication, but always verify with the insurer or doctor's office before enrolling.