Health  Care  Provision

What is a Preferred Provider Organization?
Your health plan includes a preferred provider organization (PPO). A PPO is a network of physicians, hospitals, and clinics who have entered into an agreement with USDOS to accept discounted fees for services they provide to USDOS participants.

Using a PPO provider saves you money because USDOS pays 100% of your charges (or up to the policy limit). In most cases if a provider is participating in the network, your payment will not be required at the time of service (except for the deductible) as the network bills directly to the insurance administrator.

Failure to use an available PPO provider in the network will result in your being responsible for charges over the usual and customary amount if charged by the provider. That means you will be responsible for payment at time of service and any balance billings.

USDOS uses the CCN network as the primary network and has arrangements with the MMP laboratory, Durable Medical Equipment, radiology network and the Up and Up facility network.

How do I locate a provider or facility in the network?
You can search the primary network directly from our web site at http://www.onlinehealthplan.com. Simply click on the section titled Network Access. There is also a network access telephone number on your ID card (1.800.299.8742) that you can call directly to find a network provider in your area. Americans abroad should contact the local Fulbright Commission, Embassy, or Consulate for a list of health care providers.