If you are visiting the United States or bringing relatives and family members to the country, a comprehensive travel insurance plan with PPO Network is recommended.
By Chiranth Natraj
When looking for visitor insurance, you often come across plans with the PPO Network, also known as the Preferred Provider Organization Network. Visitor insurance policies with PPO Network allow an insured person to visit any hospital or clinic in their network. These hospitals offer a much lower rate than hospitals located outside the network.
When purchasing visitor insurance plans, you will have the choice between limited plans and comprehensive plans. But you should know that the former does not participate in the PPO network, while the latter has the PPO network. Travelers who take an international trip should opt for comprehensive coverage plans so that they can have access to the doctors who are part of the network.
Read: What does visitor insurance cover? (8 November 2021)
What are the benefits?
Lower rate: The travel insurer and the healthcare provider can have a rate negotiated between them, which will always be lower than out-of-network clinics/hospitals. Some plans also offer in-network discounts, where a higher rate of medical costs is paid if the insured chooses a doctor within the network.
Direct billing: Sometimes hospitals and clinics in the PPO network have direct billing, which means they will send the bill directly to the insurance company instead of asking you to pay in advance and get the reimbursement more late.
Freedom of choice: In PPO plans, you have the option of accessing a vast network of doctors and medical facilities. You have a lot to say about where you want to get care and treatment from. Any medical unit you choose within the network will offer you the same price and the same facilities. What else? You don’t have to stick with just one doctor every time, especially if you travel frequently.
No recommendation: This is yet another advantage of not committing to a doctor because you need a referral to see a specialist. In health maintenance organization (HMO) plans, you must get an appointment with your doctor so that he can refer you to a specialist. But, buying a policy with PPO Network allows you to skip this step, saving you time and money. You can access specialized care more quickly.
Off-grid coverage: Although it is recommended to choose a doctor / clinic within the network, you can get treatment and treatment outside the network. You can still be partially covered if you choose an out-of-network doctor. The only thing is that you have to pay for some expenses out of your own pocket that would otherwise be waived while choosing network health care providers.
Read: Why is visitor health insurance recommended for travel to the United States? (October 7, 2021)
A visitor insurance plan with PPO Network offers a lot of flexibility. It is therefore essential to compare the plans to make the right decision for you and your family. If you’re in an area where you can’t access your network provider, you can see a doctor of your choice, pay upfront and be reimbursed later.
If you are visiting the United States or bringing relatives and family members to the country, a comprehensive travel insurance plan with PPO Network may be a good option. Since health care is expensive, you should take advantage of lower rates, choose a doctor wherever you want, and get specialist suggestions whenever you need them.
Travel insurance is necessary when traveling abroad, away from your home country. It secures you financially while you can be busy on vacation with family and friends. As coverage varies, compare plans and get the best deal that suits your travel needs. Or contact an insurance company executive for PPO plan and network details.
(Chiranth Nataraj is the founder of Visitor Guard. He has over two decades of experience developing insurance and technology solutions.)