Choosing your doctor: word of mouth can be valuable

Many people find their doctor by asking neighbors or coworkers. Others receive referrals from doctors they already know. And still others simply pick a physician from their health plan who happens to be nearby — and hope for the best.

In a Health Maintenance Organization (HMO), your doctor must be contracted with the health plan. In a Preferred Provider Organization (PPO), the health plan will cover more of the cost if your doctor is on the health plan’s list of preferred providers.

Following are some questions you may want to ask when selecting a doctor.