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Anesthesiologists, radiologist and other specialists don't always accept the same insurance as the doctor who admits you to the hospital. Call your doctor to get the names of the medical providers who will be involved in your treatment, and verify with your insurer that they're in the network. Also, don't assume that because your physician may be covered by your insurance, that the hospital/facility he/she is performing the procedure at also accepts your insurance. Insurance companies tend to change guidelines every so often, so it is always a good idea to double check the doctors and the facilities with your insurance company before you check in, no matter how long you have been with the insurance company.