My doctor just left my plan's network in the middle of my treatment. Can I keep seeing them at in-network cost?

This answer is about a federal law for group health plans and for group or individual health insurance (42 U.S.C. 300gg-113). The sources here do not cover Medicare Advantage or Medicaid plans [1].

The law applies when your provider or facility has a contract with your plan, and that contract ends while you are a "continuing care patient." It also applies if your benefits for that provider end because the provider's terms in the plan change [1]. A contract that expires or is not renewed counts as ended. A contract ended for failure to meet quality standards, or for fraud, does not count [1].

You are a continuing care patient if, with that provider or facility, you are in treatment for a serious and complex condition, or in inpatient or institutional care. You also are one if you are scheduled for a nonelective surgery, are pregnant and in treatment for the pregnancy, or are terminally ill and in treatment [1].

The plan must tell you in time about the end of the contract and your right to elect transitional care. It must give you a chance to tell it you need that care [1]. If you elect, the plan must keep providing benefits on the same terms as if the contract had not ended. This is for the course of treatment that makes you a continuing care patient. It lasts from the date of the notice until the earlier of two things: 90 days, or the date you stop being a continuing care patient [1]. The law applies to plan years that begin on or after Jan. 1, 2022 [1]. The sources here do not say how your plan takes your request, or what your state adds. "Don't know yet" for your plan.

Open the statute in Source 1 and match your case to the five continuing care patient types. Your plan's provider-termination notice and member papers say how to elect - "Don't know yet" for your plan.