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What is PPO Network?
Based on the visitor health insurance plan you have bought, please click on the PPO network name below to search for providers in your area. You may be able to reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization(PPO). A PPO is a network of many established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
Your ID card should have the network logo on it. When you present your ID Card at the Doctor’s office or hospital, they can identify this logo. Please indicate the PPO Network when you have to use the insurance. E.g. “Say My insurance uses the United HealthCare network, and I found your name in the United HealthCare network search.”
PPO Network Providers in the USA
IMG Policies
The following plans follow the United Healthcare Network
- Patriot Travel Insurance – America, International
- Patriot Platinum Insurance – America, International
- Patriot Exchange Insurance
- Student Health Advantage
- Global Medical insurance
WorldTrips Policies
You can check for providers in the network for the following plans:
- Atlas Travel Insurance- America, International
- Atlas Premium Insurance- America, International
- Student Secure Select Insurance – Select, Budget, Smart, Elite
- If you are a Non-US or Non-EU citizen/resident travelling in the US you will use – United HealthCare PPO Network
- If you are an EU citizen travelling in the US you will use – First Health Network
Trawick International Policies
The following plans follow the First Health Network
- Safe Travels USA Insurance Limited benefits
- Safe Travels USA Comprehensive
- Safe Travels USA Cost Saver Insurance
The following plans follow the United HealthCare network
- Collegiate Care Essential,
- Collegiate Care Enhanced
- Collegiate Care Elite
Travel Insure Services
You can check for providers in the network for the following plans:
- Visit USA Insurance – Budget, Standard Superior
- Study USA Insurance
- WorldMed Insurance
- If you are a Non-US or Non-EU citizen/resident travelling in the US you will use – United HealthCare PPO Network
- If you are a EU citizen travelling in the US you will use – First Health Network
PPO Network FAQ
Preferred Provider Organization (PPO) is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers.
Depending on the plan you opt for, if the plan does follow a PPO Network, it is always a good idea to search for providers (Doctors, Urgent Cares, Hospitals etc.) in the network as your policy can provide you with better discounted rates if you stay in the network. Some plans also waive the deductible and/or the coinsurance.
Fixed Benefit plans like the Visitors Care or Safe Travel USA Limited Benefits, may follow a network however they do not provide network discounts like the comprehensive plans. If your ID card does not show a PPO network (e.g. First Health, United Healthcare), then the plan does not follow a network.
Your ID card should have a logo of the network it follows. Most of the plans either will say United HealthCare or First Health Network and have the logo on the top of the card.
It will depend on the provider you go to, to bill the insurance company directly. When you go to the provider, please present your insurance card that you have printed out or received in the mail. Your ID card will have the following information on it – the certificate number, claims filing address in the U.S., Claims department’s toll-free number to call and verify benefits. The insurance card will have all the information that the provider’s office needs to bill the insurance company directly.
Please remember that even if your fixed benefit policy has a PPO network you do not have network discounted rates.
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