The right to choose
Whether you have chosen our:
- Plan 1 - Worldwide Health Cover including access to US and Canada medical care; or,
- Plan 2 - Worldwide Health Cover but excluding access to US and Canada medical care;
your staff have at all times the right to choose where and by whom they receive their medical care.
In the US staff members have personal and direct access to any facility in the First Health network. On presenting their member I.D. card (or details), all charges/claims are managed automatically.
The advantage of going in-network is that all network claims are billed directly to our medical insurance company. You have the flexibility to go to providers that are not in the network but are asked to share in the cost (see the schedule of benefits for the difference between in-network and out-of-network).
Overseas the Personal Health plan offers the same great choice at great benefits. There is free choice of doctor or hospital. To arrange for direct billing in the case of hospitalization or surgery, all that is needed is a call to our 24/hour medical hotline on the back of i.d. card.