As great as New England is, we all must leave it occasionally. When we do, it’s reassuring to take great healthcare coverage along for the ride, which is why Health Options offers great plans with a national network option.
Kid in college in Santa Cruz? Cool. Regular business trips to Baltimore? No problem. Family cabin on Lake Champlain? Go you! Congratulations on making a wise choice on your healthcare options. Having a plan that travels with you across the country means you’re free to roam - and take your accident-prone teenager with you – no worries.
Community Health Options provides national in-network coverage through First Health®, a nationwide preferred provider organization (PPO) of hospitals, doctors, and other health care providers. This network includes approximately 6,100 hospitals, 130,000 ancillary facilities and 845,000 doctors and other health care providers. By choosing from this list of in-network providers when you travel, you can lower your total cost of care.
Having a national network is one thing, but it’s another to know how to access it. Instead of waiting until you break your ankle on a sidewalk 600 miles from home, learn a few basics now. Use the Health First online provider search tool. It’s simple and available 24/7 and includes detailed information.
Using your desktop or mobile device, go to https://providerlocator.firsthealth.com/mcho. Next, select a provider type from the options of Physician, Hospital, Urgent Care Center, Lab and Radiology, or All Providers and enter the ZIP code or State where you’re traveling. If you’re a nervous traveler, you may want to test this search function before you reach your destination. For example, a quick search of Urgent Care Centers within 10 miles of Beverly Hills results in 75 options.
Keep your Member card with you when you travel, remember these steps, or call First Health at 1-800-226-5116, and you’re good to go.
The year ahead comes with a few changes to Health Options’ health insurance plans – and it’s all good news. One change we are excited to announce is a new tiered provider network option available in select individual/family Health Maintenance Organization (HMO) plans. While tiered plans may be new to Health Options, they are not new to health insurance. In fact, they are a proven way to save money on medical expenses. Read on to learn what tiering means to insurance plans and what it means to you as a health insurance consumer.
Tiered provider networks are a way to better manage the costs of healthcare services. They also provide health insurance consumers a better way to consider the cost of care when choosing their care options. Plans featuring tiered provider networks generally combine quality and cost in developing a preferred tier. Providers with high-quality outcomes and lower contracted prices are typically placed in the most preferred tier rankings.
As a consumer, you may wonder how Health Options decides which providers are considered part of our preferred tier. It is important to note, that all providers meet our quality standards, which is why they are part of the Health Options network. For tiered providers, we review claims history to analyze the quality of provider outcomes combined with their contracted cost and efficiency. Providers and facilities that meet or exceed our standards for quality, cost, and efficiency are “preferred,” and others are “standard.”
To take advantage of tiered providers, you will need to select an individual/family plan with a tiered network option, which is available in both bronze and silver metal level plans for 2022. It’s important to note, that on a tiered plan, you always have the option to visit standard providers with a standard co-pay.
As we enter the Open Enrollment season for 2022, we are proud to offer the highest quality healthcare at the best possible value with all our plans, and our new tiered network offers additional savings. If you have questions about tiered network plans and want help finding the health insurance plan that best suits your needs, contact our Member Services team at (855) 624-6463.