Can I get PPO discount for Visitors Care plan

[Sundar2006]

Hi,

I am thinking about getting Visitor's care plan for my in-laws. I wanted to make sure that If we use First health Plan PPO providers, can we get network discount rate?

For example, If physician ( come under PPO) charge $500, If I hold insurance, will I get network discount rate, something less than $500?

Thanks.

[narendra]

Visitors Care participates in First Health PPO network.

Therefore, if you go to the providers in the network, they will charge you network negotiated rates (discounted rates) as long as it is a covered expense, even if those charges come under your deductible.

I hope that clarifies.

If you have any additional questions, please feel free to post them here or contact us at any time.

[Murthy]

Hi,
In your previous reply you mentioned that PPO discount is applicable for any covered expense in visitor care plan. Does it mean in Visitor Care plan for non-covered expenses PPO discounts are not applied ? In otherwords if the doctor visit is a result of pre-existing conditon do I get PPO network negotiated Fee if I want to pay the bill ?

[narendra]

You get PPO discount only for covered expneses, not for pre-existing conditions and not for any other not covered expenses.