Doctor, Doctor

Monday - 12/11/2006, 4:00am EST

The doctor you love is leaving your plan. What to do?

First of all, don't panic. According to CHECKBOOK's Walton Francis, if you're not in an HMO, you'll still get paid - just not as much. Typically, plans will pay 75 percent, up to their standard allowance.

At that point, says Francis, figure out which plan gives you the best deal and then use a Flexible Spending Account to make up the difference.