your insurance plan, against your wishes. My child has been seeing a doctor for nearly 3 years who is not in my insurance plan, from the insistence of her law guardian. As a result, I must pay out of pocket each time. Initially, this was not my choice, as I suggested several names within my plan. Now nearly 3 years later, I must end these appointments because of the cost. Is it illegal of someone to force you to use a doctor outside your plan??