Outside USA:
MNU has a list of many providers outside the United States that you can receive treatment from. However, you are free to visit any provider you like. You may have to first pay and then get reimbursed from the insurance company by filing a claim form. The doctor's office or local hospital has a choice to be paid by the patient or by the insurance company. However, for larger eligible expenses like hospitalization/surgery etc, the insurance company can make arrangements for direct payment to the provider.

Inside USA:
Student Secure from MultiNational Underwriters (MNU) participates in the Hygeia PPO Network. Hygeia PPO Network is a separately-organized network of a large number of physicians as well as privately owned and operated hospitals. As it is a well known network in every major area of US, there are a good number of doctors and hospitals. When you go to the doctors in the network, please mention that you have Hygeia PPO Network plan, as the doctor sometimes may not be aware of MNU or Student Secure. When you go to the doctors and hospitals in the network, they can take the insurance card and contact MNU to verify the benefits. MNU can pay directly to the provider if it is determined that it is an eligible expense (covered expense in the policy). Providers will also charge only the Network Negotiated Fee (NNF) which is a discounted fee in many cases.

When you go to the providers outside the network, you can present the insurance card. The insurance card has all the information the doctor's office will need to bill the insurance company directly such as the certificate number, claims filling address in US, toll-free number to call and verify the coverage. It still depends upon the doctor whether to bill the insurance company directly or not. Even if the doctor accepts the card, there is no network negotiated fee. If you have to first pay, you can get reimbursement by filing a Claim Form. You can either use the claim form you receive in the mail along with the insurance card or you can download the Claim Form from this website. MNU will reimburse you usually within 4 weeks after receiving the claim. However, when there is hospitalization/surgery involved and the costs are quite high to pay first, MNU can make necessary arrangements to pay the provider directly.

Whether you go inside the network or outside the network, benefits remain the same.

There is no network of providers for prescription drugs (medicines).

Even if the provider agrees to bill the insurance company directly, you should still file a Claim Form to expedite the claim process. When the provider sends the bills to insurance company, insurance company would need to request medical records from the provider, which the provider can't give until they have authorization from you to release the records. Filing a claim form provides such authorization.

All your claims will be handled by MNU in USA. You never have to contact the carrier, Lloyds, for any purpose whatsoever.

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