So when I chose my insurance plan, I had no idea that my plan would exclude so many doctors, as I had no idea that I would need to see them until after my insurance was set in stone, and the coverage for the treatments I need are really lacking. Medical bills are really starting to pile up and I have no idea what to do. I doubt that I'm able to until November, but is there any possible way to switch insurances beforehand without adding a dependent or moving?