Inside USA
ChoiceAmerica Insurance is a limited coverage plan and therefore does not participate in any PPO Network, which means that you may visit any doctor, hospital, or other healthcare service provider of your choice. When you use your ChoiceAmerica insurance plan, the provider will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later.
If you do need assistance searching for a doctor or hospital, you can easily locate a provider within the IMG PPO Network, First Health. To search for a general practice physician, use the term "Primary Care" when using the search tool.
Outside USA
There is no PPO network outside the United States. However, you may access the IMG International Provider Access database to easily locate a medical provider while traveling outside the US. You may also choose to visit any doctor or hospital of your choice, pay accordingly, and file a claim with the insurance company for reimbursement.
What does this mean for policy holder?
The ChoiceAmerica plan does not have a designated PPO network. You can go to any doctor or hospital of your choice. The billing process and the amount charged would be the provider's discretion. The providers may or may not apply the discounted PPO rates. The insurance would pay only the given fixed amount, based on the schedule of benefits, irrespective of how much the providers charge. Also the providers may or may not directly bill the insurance company. The Claim process would be mandatory, like any other travel insurance policy.
Assistance by Phone
If you need help with finding a provider, you may also contact Plan Administration - IMG at 800-628-4664 during normal business hours (7AM - 6PM EST).
If it's not an emergency or an urgent care need, prefer setting up an appointment with a doctor or hospital within the PPO Network. Then contact IMG with the appointment information.
