Fundamentals of Health Insurance for Immigrants & Select PPO

By Ray C. Sandeo

A network of doctors and hospitals that accept the policy claims of a certain insurer is sometimes called a preferred provider network or PPO. They often give discounted rates to companies offering immigrant insurance. There are positives and negatives about these organizations.

PPO health insurance for immigrants will reduce the degree of coverage when claims are made from hospitals or doctors that are not part of their network. Essentially, instead of 100% coverage for the treatment they may only cover 80% of the medical bills. However in the event of an emergency they will not penalize you for using the closest medical facility and then transfering to one in the network.

In exchange for higher co-pays and out-of-pocket expenses, some PPO plans allow a patient to seek medical attention outside of the network. Discounted billing rates have not been negotiated with plans that do not use PPO providers. This causes costs for the insurance company and the insured to be higher in the event of a claim.

Immigrant health insurance companies like to use preferred provider organizations because of the discounted fees they receive from the providers. Saving money on these services allows the company to insure more customers and increase general coverage amounts. Incentives are usually offered to customers for using services within the PPO.

People insured by these PPO companies will see more coverage for their money. Because the company is saving money, that savings is passed to the customer in the form of lower premiums. Saving money is not the only perk that can be found through non US citizen insurance PPO plans.

Health insurance for non citizens with PPO networks offer a degree of convenience that consumers expect. The in-network providers are able to do direct billing. The policy-holder, essentially, has no obligations regarding billing.

Doctors, when they aren't able to direct-bill an insurance company, will often bill the client directly. The client, then must file the claim with their insurer. PPO insurance for non US citizens eliminates this.

There are pros and cons to using an insurance company in a preferred provider organization. Whether or not one likes the idea is entirely up to the insured and the buyer. Select a immigrant health insurance plan based on your preferences.

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