Always call and find out if they take the insurance. Also, at least where I live -hospitals are good at hiring "sub contractors" that are doctors, etc. that work at that hospital but are not in network. Then you're hit with a huge bill. Have seen several cases on the news about this. Don't forget - you can use a minute clinic instead of the ER - cheaper and faster service. Check sites that give ratings on doctors and facilities - they will provide good insite on whether you want to choose this person as your primary care. ALWAYS ask what is covered at the visit - read your book - those samples of different patients are kind of cheesy. READ the fine print about prescription drugs - you don't want sticker shock. Good luck and try to stay well. It's a lot less paperwork and stress.