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Can I go to any doctor/hospital, or am I limited to specific medical practitioners?

QuestionCan I go to any doctor/hospital, or am I limited to specific medical practitioners?

AnswerThis will vary for different visitor insurance plans. Some plans allow you to visit any medical practitioners, while others have their provider network also referred to as the PPO network.

In the latter case, if you visit a doctor/hospital within the provider PPO network, the fee will be a standard rate that has been agreed between the insurance company and the provider. In certain plans, the co-insurance portion of payment is waived for staying within the PPO network for any medical care received.

However, if you visit a provider outside of the insurance companies provider network, there may be a difference between the amount charged to you and the amount the insurance company considers usual, customary and reasonable (UC and R). In this event, you will have to pay the difference between the two amounts.