Fixed coverage plans from Seven Corners (such as Inbound USA, Inbound Immigrant, Inbound Guest etc.) do not participate in any PPO network. You can visit any doctor or the hospital. The link to the First Health/Hygeia PPO network is provided only for your convenience of finding a provider.

Such insurance plans are called indemnity plans.

When you go to the provider, you can present the insurance card, either the one you received in the email or by postal mail. The insurance card has all the information the provider's office will need to bill the insurance company directly such as the certificate number, claims filling address in the U.S., toll-free number to call and verify the coverage. It still depends upon the doctor whether to bill the insurance company directly or not. Even if the doctor accepts the card, there is no network negotiated fee.

If you have to pay first, you can get reimbursement by filing a Claim Form.

However, when there is hospitalization/surgery involved and the costs are quite high to pay first, Seven Corners can make necessary arrangements to pay the provider directly, once it is determined that it is an eligible expense.

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 the insurance company, the insurance company would need to request medical records from the provider which the provider can't give until they have authorization from you to release the records. Filing a claim form provides such authorization.

All your claims will be handled by Seven Corners in the USA. You never have to contact the carrier, Lloyds of London or The Insurance Company of State of Pennsylvania, for any purpose whatsoever.