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Person insured under ISO plans may choose to be treated within or outside of the provider Network (PPO). Each PPO network consists of hospitals, doctors and other health care providers organized for the purpose of delivering quality health care at affordable rates. Reimbursement rates will vary according to the source of care and as described under the Summary Schedule of Benefits and Medical Expense Benefits of each plan.

Using a network health care provider will save you money by getting negotiated rates for service instead of full rates. It also provides a better channel of communication between your insurance company and the service provider for authorization of coverage and claims processing. Make sure to carry your medical insurance card on you at all times.