HCC Life STM from HCC Life Insurance Company participates in a PPO network administered by CMN. CMN is a culmination of several networks across the country including PHCS, FirstHealth, Coventry, Beach 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.

This PPO Network is a separately-organized network of large number of physicians and privately owned and operated hospitals. As it is a well known network in every major area of U.S., there are a good number of doctors and hospitals. When you go to the doctors in the network, please mention that you have a particular PPO Network plan (such as First Health, PHCS etc.), as the doctor sometimes may not be aware of HCC Life Insurance Company or HCC Life STM. When you go to the doctors and hospitals in the network, they can take the insurance card and contact HCC Life Insurance Company to verify the benefits. HCC Life Insurance Company can pay directly to the provider if it is determined that it is an eligible expense(covered expense in the policy). Providers will also charge only the Network Negotiated Fee (NNF) which is a discounted fee in many cases.

When you go to medical providers outside of the PPO network, you can present the insurance card. The insurance card has all the information the doctor's office will need to directly bill the insurance company such as the certificate number, claims filling address, toll-free number to call and verify coverage, etc. However, it still depends upon the doctor as to whether they want to bill the insurance company directly or not. Even if the doctor accepts the card, there may be no network negotiated fee. If you have to first pay, you can be reimbursed by filing a Claim Form. You can either use the claim form you receive in the mail along with the insurance card, or you can download the Claim Form from this website. HCC Life Insurance Company will usually reimburse you within 4 weeks after receiving the claim. However, when there is hospitalization/surgery involved and the upfront costs are high, HCC Life Insurance Company can make necessary arrangements to pay the provider directly.

Whether you use a doctor inside the network or outside the network, after the annual deductible, the insurance company will pay 80%/20% for first $5000 worth of expenses, and 100% of the expenses up to policy maximum after that.

There is no network of providers for prescription drugs (medicines).

Even if the provider agrees to bill the insurance company directly, you should still file a Claim Form to expedite the claim process. When the provider sends the bills to insurance company, the insurance company will need to request medical records from the provider. The provider can't give these medical records until they have signed authorization from you to release the records. Filing a claim form provides them with such authorization.

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