Insubuy Insurance

8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun

HCC Medical Insurance Services

PPO Network Search

First Health PPO Network


Inside USA:
First Health PPO Network


Most plans, except fixed coverage plans, from Tokio Marine HCC participate in First Health PPO Network.



When you contact a medical provider or present your ID card, what should you say?


My insurance uses the First Health PPO Network and I found your name on the First Health network search.

DO NOT SAY:
“I have Tokio Marine HCC Insurance” or “I use HCCMIS Network” or “I have Atlas America insurance” or “I have Insubuy insurance.”


Providers WILL NOT recognize this language, and your insurance may not be accepted.


Make sure to present your insurance ID card, NOT other documents such as business card or certificate wording.



When you go in the network, there will be network negotiated fees for eligible expenses.
You can also go out of the network but there would be no network negotiated fees. Direct billing depends on the provider.


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



Outside USA:

You are free to visit any provider you like. For your convenience, a listing of providers participating in our international network is located at International Provider Network Directory.


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.