It\u2019s the New Year’s and you have discovered that you can purchase our more affordable insurance plan instead of your university\u2019s plan. As an international student, you may wonder to yourself, \u201chow do I find a doctor in the US?\u201d or \u201ccan I visit any doctor I want to?\u201d<\/p>\n
Whether you have purchased our Student Secure<\/a> plan, Atlas plan<\/a> or Citizen Secure<\/a> plan, you can find a doctor in the US very easily. All three plans are what are referred to as a preferred provider organization<\/em>, or PPO.\u00a0 PPO is an optional network with contracted doctors or hospitals that you can go to. While this network is not required, these doctors and hospitals usually have discounted rates and have agreed to accept direct payment from the insurance company (this means that the insurance company pays covered expenses directly to your doctor or hospital, instead of paying first and being reimbursed).<\/p>\n If you choose the Student Secure Select level, the Atlas Plan or the Citizen Secure. By choosing a provider that is inside the network, you will receive 100% coverage for eligible expenses after you have met any deductible (up to your policy maximum). Coverage may change if you are outside the network so be sure to check the benefits on your plan as this is common in PPO networks.<\/p>\n Whether you go to a doctor or hospital in or out of the network, simply show your insurance ID card to the doctor office. Your doctor can then call the phone number located on your insurance ID card to arrange direct payment.<\/p>\n