Before the 2014 open enrollment window ends,  double and triple check your doctor network.  We are finding lots of issues with doctor networks since several of the main insurance carriers have reduced the size of their doctor networks for 2014.  Both HMO and Individual/Family doctor networks have been reduced.  Some insurance carriers now have as many as 5 PPO doctor networks so you cannot assume your doctor is in them all!  Be sure to have a local health insurance agent who can help.  It is always your responsibility to make sure that you are going to doctors that are in-network.  Neglecting this can result in thousands of dollars owed.