Coinsurance is the “cost-sharing” between you and the insurance company. After you satisfy the deductible, the insurance company will pay a percentage of remaining eligible expenses. The coinsurance on the Patriot Exchange plan is as follows:Inside the United States or Outside of the United States: 100% of eligible expenses, after the deductible is met, up to the policy maximum.
You may visit any doctor or hospital and receive coverage under your Patriot Exchange plan. However, when in the United States, it is always best to choose a provider that accepts the contracted Preferred Provider Network (PPO).
This plan uses a PPO called UnitedHealthCare Network. You can find providers through the UnitedHealthcare search tool.
When outside of the United States, IMG offers their International Provider Access search tool to make it easier for you to find providers in the area that you are located. You can find providers in your area through our online provider search tool.If you are unsure of where to seek treatment, please feel free to contact us and we’d be happy to help you locate the correct doctor to visit.
Claims will be paid depending on where you are located and where you seek treatment:
In-network while inside the USA
When you visit a provider that is part of the plan network your insurance bill is typically paid directly, so you would just need to pay your deductible or copay at the time of treatment. To confirm direct billing, it is important to check with the provider before you seek treatment.
Out-of-network while inside the USA
Generally, when you visit a provider that is outside the network, you will need to pay for all services up front and then submit a claim form, along with any bills and receipts from your visit, for reimbursement.
Outside the USA
When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement. If you are hospitalized for an emergency or planned hospitalization you will need to call the 24-hour emergency assistance number located on the back of your insurance ID card and they will assist you further with settling the hospital bills.