The Patriot Platinum is a percentage based comprehensive plan. The plan covers for any unexpected sickness or injury that starts after the policy becomes effective.
Which Doctor to Go To
You can go to any doctor or hospital of your choice. However it is better to go to a doctor within the PPO network to get better provider rates, and better percentage of coverage. The Patriot Platinum is part of the UnitedHealthcare PPO network. To search for nearby providers in your area visit Patriot Platinum Insurance Providers
How does the Deductible Work
The deductible is the first amount of the covered bill that is the insured persons responsibility, before the insurance starts paying. The deductible for the Patriot Platinum plan is one time in the policy period or once annually. If you need to have the policy continuously for more than 12 months, then after 12 months, a new deductible would apply.
Coverage outside the PPO Network in the U.S.
In the U.S., Patriot Platinum coverage varies slightly depending on if you visit a provider within or outside the UnitedHealthcare PPO Network.
Outside the UnitedHealthcare PPO Network: After the deductible is met by the insured person, the plan pays 90% of the bill, up to the policy maximum, for all covered services.
For Coverage within the PPO Network in U.S.
After the deductible, the plan pays 100% up to the policy maximum. Any amount above the policy maximum is the insured persons responsibility.
Read the Patriot Platinum Insurance brochure for complete details.
