United Healthcare PPO Network for Visitors Insurance

United Healthcare PPO Network for Visitors Insurance

The United Healthcare PPO network is a widely recognized and trusted choice for visitors insurance in the United States. If you’re a tourist, international student, or a temporary resident, having access to quality healthcare is essential.

With the United Healthcare PPO network, you have access to a vast network of healthcare providers, Ensuring you receive the medical care needed on your stay in the United States.

When you buy visitor’s insurance for the USA, Basically you are buying short-term health insurance for the duration of your stay in the United States.

During the research and buying process, you will come across these terms:

  • PPO
  • United Healthcare PPO
  • FirstHealth PPO

PPO is a term specific to the United States’ domestic health plans. PPO stands for Preferred Provider Organization. It is worthwhile to note that healthcare in the United States is very expensive.

Some travelers may be familiar with the term PPO, but if you are not and you need more information, Then, let us understand more about PPO and United Healthcare PPO Network. Lets explore the benefits and coverage options offered by United Healthcare to make your visit worry-free.

Watch a short video about United Healthcare PPO Network

What Is A PPO Network?

PPO Network

Preferred Provider Organization (PPO) is a network of many established highly qualified medical practitioners and well-recognized hospitals in the USA to create a network of participating providers.

To create a network of participating providers. United Healthcare PPO (Preferred Provider Organization) contracts with medical providers, such as:

  • Hospitals
  • Clinics
  • Pharmacies
  • Doctors
  • Specialists

Travel Insurance providers in turn contract with United Healthcare to extend their PPO Network to their visitors’ insurance plans.

Why Use PPO Network?

The policy provides better-discounted rates for medical treatment and services availed in the network.

Is United HealthCare A PPO?

Yes, United Healthcare offers PPO Network that travel insurance companies use and extend the benefit to their customers.

With United Healthcare PPO Network, you can use any doctor, clinic, hospital, or healthcare facility in the national network.

How do I know if the policy I purchased follows a network?

  • The ID card usually has a logo of the network it participates in
  • Most plans have the logo on top of the card
  • The card either has the logo of United HealthCare
  • The card has the logo of FirstHealth
  • The policy document will have details of the PPO

Please note that not all travel health plans offer access to a PPO Network. Read the policy document carefully for the health plan benefits. FirstHealth is a separate PPO Network and some popular travel insurance companies like International Medical Group has plans providing access to FirstHealth PPO Network.

United Healthcare Network

United HealthCare PPO Network

United Healthcare PPO Network (UHC PPO) offers a wide network of healthcare providers to its members. Travel Insurance Companies tie up with United Healthcare to provide benefits to their customers and provide them with access to UHC PPO.

UHC PPO is managed by United Healthcare, one of the largest health insurance providers in the U.S. Members have access to a large network of healthcare providers, including:

  • Hospitals
  • Clinics
  • Pharmacies
  • Doctors
  • Specialists

The network of United Healthcare PPO is extensive, with many established and highly qualified medical practitioners and well-recognized hospitals in the USA.

The United Healthcare PPO has in its network more than:

  • 1,205,000 plus doctors and health care professionals
  • 6,000 plus hospitals
  • 67,000 plus pharmacies

Members can have access to these as part of their health coverage, it helps them save money.

United Healthcare PPO allows using doctors, hospitals, clinics, or healthcare facilities in the national network.

The PPO network may provide cashless direct billing, and you may be able to save money by reducing your out-of-pocket costs by visiting a doctor within your PPO.

In general, PPO plans offer both:

  • In-Network care and
  • Out-of-Network care

For an additional cost, you can use doctors, hospitals, and providers outside of the network (your costs are higher when you go out of network)

Please note:

Cashless direct billing may work well for a domestic health plan. For visitors’ insurance plans, cashless billing may not be guaranteed. You may need to pay upfront for the services and file a travel insurance claim with your travel insurance provider. Do note that a claim has to be submitted even if cashless billing was extended at a medical facility. Travel Insurance Claim Denied? Know what to do in such a situation.


  • When you go into the network, there will be network-negotiated fees for eligible expenses
  • If you go out of network, there are no network-negotiated fees
  • Direct cashless billing depends upon the respective medical facility providers

Popular Visitors’ Insurance PPO Plans

Visitors’ Insurance PPO Plans for Pre-Existing Medical Conditions Coverage

OnshoreKare 5PointVantage Travel Insurance
Buy Visitors Insurance with a best price guarantee

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

United Healthcare PPO Network

When you contact a medical provider or present your ID card, Please indicate the PPO Network when you have to use the insurance.

The first thing you must say is:

My Insurance uses the United Healthcare PPO network and I found your name on the network search”

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

When you contact a medical provider or present your ID card you must never say, “I have XYZ Insurance” Or “I have XYZ Plan”.

Providers might not be aware of all the plans and plan names and in this confusion, your insurance may not be accepted.

Out-of-Network Provider

Out of Network Providers

An out-of-network provider refers to a healthcare provider who has not contracted with your insurance company for reimbursement at a negotiated rate

Here are some key points to understand about out-of-network providers:

  1. Reduced Payment: Insurance companies often discourage their members from seeking care from out-of-network providers by offering reduced payment rates to providers who are part of their network. This incentivizes providers to join their network and accept the negotiated rates.
  2. Higher Costs: When you receive care, your costs are generally higher compared to in-network care. This can include higher deductibles, copayments, and coinsurance, as well as the potential for limited or no coverage for certain services.
  3. Limited Coverage: Depending on your health insurance plan, expenses incurred for services provided by out-of-network providers may not be covered, or may only be partially covered by your insurance company. It’s important to review your plan’s coverage details to understand the extent of coverage for out-of-network care.
  4. Balance Billing: Out-of-network providers can balance bill patients for the remainder of the charges after the insurance company has paid its share. This means that you may be responsible for paying the difference between the provider’s charges and the amount covered by your insurance.
  5. Exceptions and Appeals: In some cases, you may be able to make an appeal to your insurance company to cover out-of-network care, especially if it is medically necessary and there are no in-network providers available. However, there is no guarantee that the appeal will be granted.

It’s important to carefully review your health insurance plan’s network and coverage details to understand the implications of seeking care from out-of-network providers. This can help you make informed decisions about your healthcare and manage your costs effectively.

Understanding Provider Networks

Provider Networks

A provider network is a list of healthcare providers, including doctors, hospitals, and other healthcare providers and medical facilities, that a health insurance provider contracts with, to provide medical care to its members at negotiated rates for services to insured of certain medical insurance plans.

These lists of contracted providers make up medical provider networks.

Providers that are included in a payer’s network are considered “in-network,” . The ones that aren’t in a payer’s network are considered “out-of-network”.

Insurers often have different provider networks for different health plans.

Provider Networks Exist For Several Reasons:

  • Health insurance companies use their networks to ensure quality standards for their members (i.e., patients or enrollees). For instance, doctors who want to be part of a network must meet certain qualifications and agree to provide care at a certain rate
  • Provider networks help control healthcare costs by negotiating lower rates with providers in exchange for a larger volume of patients
  • Provider networks help patients find healthcare providers that are covered by their insurance plan and reduce the risk of unexpected medical bills

Frequently Asked Questions

Which medical travel insurance to choose PPO or no PPO?

The choice between a PPO or non-PPO plan depends on your specific needs and preferences.

If you prioritize flexibility and a broader choice of providers, a PPO plan may be worth considering. however, If you prefer the option to visit any provider without network restrictions, a non-PPO plan may be more suitable.

It’s important to compare the coverage, costs, and limitations of different plans to find the best fit for your medical travel insurance needs.

In general PPO plans are popular as they give access to a reputable network.

Which are the Best PPO insurance plans for travelers to the USA?

The most popular plans are:

Atlas America and Patriot America Plus are comprehensive coverage visitor insurance plans that cover 100% of the costs within the PPO network

However, if you go outside of the PPO network, Patriot America Plus will pay 80% of $5,000, then 100% of the policy maximum, while Atlas America will still pay 100% of the policy maximum

Alternatively, you can also opt for the Travel Assistance membership program for your international trip with guaranteed cashless claims via medical concierge Like:

Hop! Trip Assist Plus: Hop! Trip Assist Plus is exclusively a Travel Assistance Membership Program for international trips that provide worldwide Medical Assistance, Emergency Consultation Services, and Travel, Legal, & Personal Assistance, including coverage for Pre-Existing Conditions, for travelers, traveling anywhere worldwide outside their home country.

Which is the best-fixed coverage visitor insurance PPO Plan?

While there is nothing as the best plan and it really depends on the individual and their insurance needs, You can explore the following plans:

  • Visitors Care: Visitors Care is a fixed coverage visitor insurance plan that participates in a PPO network. This plan provides coverage for medical emergencies, including hospitalization, emergency medical evacuation, and repatriation.
  • INF Premier: If you need coverage for pre-existing conditions for your USA trip, you can explore this plan.

It’s recommended to carefully review the plan details, network providers, and associated costs to make an informed decision.

Alternatively, you can opt for a travel assistance membership program providing fixed benefits for eligible Medical, Travel, legal, Personal, and Security Assistance for Travelers, traveling anywhere in the world, outside their home country Like:

Is it worth getting PPO?

PPO plans offer greater flexibility and choice in healthcare providers, they may come with higher costs.

Whether a PPO plan is worth it depends on individual healthcare needs, preferences, and financial considerations.

It’s recommended to carefully review the plan details, network providers, and associated costs to make an informed decision.

What are provider networks?

A network made up of Hospitals, Doctors, and other healthcare providers and facilities who have agreed to offer services to insured persons (of certain medical plans) at a negotiated rate.

Why do insurance companies provide access to networks?

Insurance companies provide access to network control for several reasons, including:

  • Cost Control
  • Quality Control
  • Convenience
  • Cost Saving

Insurance companies provide access to networks to control costs, ensure quality care, provide convenience and cost saving to their members.