Joe never had insurance, even though he was a full-time construction worker for 20 years. Now, he has a plan through the Marketplace. He’s happy to get a plan that doesn’t cost him any premiums. He will be able to pay his copays when he gets treatment for high blood pressure. Unfortunately, Joe is unable to find out what doctors are covered in the plan. He is still going to the community health center. They referred him to a specialist for a test for chest pain, and he hasn’t been able to find out if they are covered by his new insurance.