When a patient moves to a new city and needs to find a doctor, the logical place for them to look is their health plan’s provider directory. After all, patients today typically have insurance – most commonly from their employer, sometimes purchased from an exchange – and they want to be sure any doctor they see will accept their insurance. But even when patients take the time to check their plan directory, there’s a significant chance that the information they find in it could be incorrect. Sometimes, doctors that accept the health plan aren’t listed – so patients don’t know all their options to use their coverage. Other times, doctors who are in the network are incorrectly included in the plan’s directory – increasing the chances that patients will seek services their insurance won’t actually cover. When this happens, patients can end up saddled with thousands of dollars of unexpected bills.