Most plans from HCC Medical Insurance Services (HCCMIS) participate in a PPO network administered by CMN. CMN is a culmination of several networks across the country including PHCS, FirstHealth, Coventry, Beech Street and several regional networks.

The CMN network is for major medical, foreign travel and other expatriate benefit plans offering service at Centers of Excellence with over 400,000 physicians. The CMN network offers nationwide coverage across the U.S. with concentrations in metropolitan and urban cities, traditional travel states, and many rural areas.

When you visit the providers in the network, network negotiated fees would apply in all the plans.

All your claims will be handled by HCCMIS in the USA. You never have to contact the carrier, Lloyds, for any purpose whatsoever.

For your convenience, The CMN/EA International Provider Network spans approximately 200 countries and territories worldwide with over 2000 hospitals and clinics and over 6000 physicians. A listing of providers participating in our international network is located in Client Zone, which is easily accessible with your Certificate number and date of birth once coverage has been approved.

Anyway, you are free to visit any provider you like. You may have to first pay and then get reimbursed from the insurance company by filing a claim form. The doctor's office or local hospital has a choice to be paid by the patient or by the insurance company. However, for larger eligible expenses like hospitalization/surgery etc, the insurance company can make arrangements for direct payment to the provider.