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M t says she'll try to get on my insurance plan, but if she can’t get in as a “preferred” provider, I can't afford switching to a different plan.
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It's usually really easy to become a "preferred provider" with an insurance company....most have said it's just a request that has to be filled out....nothing difficult or anything. They may have to agree to the rate that insurance company will pay them....but that wouldn't be a problem if she's wanting to keep you as a client.
Don't think you have as much to worry about as you think you do IMO. Know it's easy for us to feel that changes are the "end of the world" but when it actually comes down to what happens, it's usually a smooth change & nothing really changes......that is assuming that our health care system doesn't make a major change under our feet......then none of us know how bad it might be.....but until that ever happens.....I wouldn't worry about a simple thing of her filling out the necessary paperwork to become a provider through your existing insurance.