Most visitors insurance policies in the United States use a re-imbursement system. This means that if you utilize any of medical services, you have to file a claim to be reimbursed for the charges. When you have visitors insurance, you can visit any doctor or hospital and file a claim. However, if you go to a doctor or hospital that is in the PPO network, you can get a discounted rate on your medical services, which can save on out-of-pocket expenses. Also, the insurance company can be directly billed, so you don’t have to cover the charges and then wait to be reimbursed, in most cases.
What is a PPO Network?
A Preferred-Provider Organization (PPO) network is a network of medical care providers that provide care for individuals who have particular insurance plans. When visiting a provider in the network, they will charge negotiated fees for service, which are usually less than what you would pay to other providers. Since not all insurance plans will cover all of the expenses, this can save you from having to pay more out-of-pocket expenses. For example, if your plan requires a co-payment, the PPO network providers will charge a lower co-payment, than those outside of this network.