MIAMI — The first thing Michelle Pool did before picking a plan under President Obama’s health insurance law was check whether her longtime primary care doctor was in her coverage network. Pool, a 60-year-old diabetic who has had back surgery and a hip replacement, purchased the plan only to find that the insurer was mistaken.

Pool’s $352 a month gold plan through Covered California’s exchange was cheaper than what she’d paid under her husband’s insurance and seemed like a good deal because of her numerous pre-existing conditions. But after her insurance card came in the mail, the Vista, California, resident learned her doctor wasn’t taking her new insurance.

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Before signing up for health care, Michelle Pool of California confirmed with the insurer that her regular doctor was in the coverage network. It turned out the insurer was wrong. The Associated Press

“It’s not fun when you’ve had a doctor for years and years that you can confide in and he knows you,” Pool said. “I’m extremely discouraged. I’m stuck.”

Stories like Pool’s are emerging as more consumers realize they bought plans with limited doctor and hospital networks, some after websites mistakenly said their doctors were included.

Before the law took effect, experts warned that narrow networks could impact patients’ access to care, especially in cheaper plans. But with insurance cards now in hand, consumers are finding their access limited across all price ranges.

The dilemma undercuts President Obama’s 2009 pledge that “if you like your doctor, you will be able to keep your doctor, period.” Consumer frustration over losing doctors comes as the Obama administration is still celebrating a victory with more than 8 million enrollees in its first year.

Narrow networks are part of the economic trade-off for keeping premiums under control and preventing insurers from turning away those with pre-existing conditions. Even before the Affordable Care Act, doctors and hospitals would choose to leave a network – or be pushed out – over reimbursement issues as insurers tried to contain costs.

Further complicating matters, the Insurance trade group America’s Health Insurance Plans says that doctors and health plans often renegotiate throughout the year, meaning a doctor listed in a network at the time of enrollment may not be there a few months later.

Insurance agents Craig Gussin in San Diego and Kelly Fristoe in Texas helped dozens of clients switch plans just before the enrollment deadline when clients realized their doctors weren’t covered. Now, they’re struggling to help clients who realized they were in that position after the March 31 enrollment deadline, when consumers are locked into plans for one year.

Gussin says that even after his mad-dash to make switches before the deadline, he still has a half-dozen clients who are stuck – and he expects the number to grow as more try to schedule with doctors. He and other agents fear it will be one of their most serious issues in 2014.

James Potts’ $647-per-month silver plan was issued by the same company that had insured him with a different plan canceled under the Affordable Care Act. The 64-year-old property insurance agent assumed his doctors would remain the same under the insurer’s new plan, but didn’t double check.

When Potts got a nasty cold, he called three facilities near his home in Wichita Falls, Texas, and was shocked to find none took the insurance, including his primary care doctor.

“It was a waste of money for me,” he said. “I couldn’t find doctors that would talk to me.”

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