The First Health network is one of the most extensive PPO networks, both in the USA and throughout the world. By selecting a provider that is part of the network, you can potentially benefit from lowered out of pocket expenses, direct provider payments and a much smoother process. It is therefore advised that you stay within the network wherever possible - however you still have freedom to choose where you seek care.
PLEASE NOTE – When outside the USA, before you seek treatment it is VERY IMPORTANT that you call Tokio Marine HCC - MIS Group prior to seeking any treatment. They will be able to find a provider close to you, and will call ahead to make sure the provider is setup and they will accept direct billing. If you do not call ahead or seek treatment on your own, there is no problem in doing this, however you will need to pay for your medical expenses up front and then submit a claim form for reimbursement.
When contacting a US provider that is in-network, be sure to let them know that your insurance plan is part of the First Health Network. The provider's office will only recognize the name of the First Health Network.