You can visit any doctor.
There is no network.
Link to Hygeia PPO network is provided
only for your convenience of finding a doctor. When you go to the doctor, you can
present the insurance card. Insurance card has all the information
doctor's office will need to bill the insurance company directly such as the certificate
number, claims filling address in US, 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. 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 web site.
Seven Corners will reimburse you usually within 4 weeks of they receiving the claim.
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 insurance company,
insurance company would need to request medical records from the provider
which 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 USA. You never have to contact
the carrier, Lloyds of London, for any purpose whatsoever.
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