What is a co-pay?

In the US the term co-pay is an amount that insured Members must pay upfront before being seen for a consultation (PCP, Specialist, Urgent Care and ER).

What is a deductible?

In the US the term deductible is defined as an amount the that insured Members must satisfy before their policy will start covering them. Only covered services will apply towards the deductible.

What is a co-insurance?

In the US the term co-insurance is a percentage (i.e. 10 %) the insured Members would be responsible to pay after the Insurance has paid their portion of the bill (90 %)

What is a PPO plan?

PPO stands for Preferred Provider Organizations. Providers may ask you which PPO plan or which medical network your insurance is part of, please refer them to Global Excel 1-800-541-1983 and we will provide them with all the information they need.

What is an Urgent Care Center?

An Urgent Care Center is a walk-in clinic where you can see a Primary Care Doctor without an appointment. Urgent Care Centers are convenient because they are usually open early in the morning until late in the evening, and often on weekends. Urgent Care Centers may also be equipped to perform X-rays and/or CT scans. Please note that specialists (cardiologist, ENT, GI, etc.) are not available through Urgent Care Centers.

What services require prior-authorization?

Any services considered invasive such as outpatient surgeries, hospital admissions, treatment of a catastrophic diagnosis, specialty drugs and injections. Please always verify with your insurance as there may be additional services requiring a prior-authorization based on the type of policy you have.

Are Providers allowed to charge me for a copay/deductible/co-insurance before receiving the healthcare services?

Providers are only authorized to charge you up front (before the medical service) for a co-pay or a deductible. Please contact us should they try to charge you for a co-insurance after receiving your medical care.

Do I need to call you before going to the doctor/urgent care/hospital?

You only need to notify us if you are going to have a service that requires a prior authorization. Always provide your insurance ID care to your healthcare provider so they may call us for any questions about your benefits.

What should I do when I receive a bill from the Provider?

It is very common that providers send a bill to patients instead of the insurance even though they had your insurance information Contact us so we may review a copy of the bill.

What should I do if the Provider informs me they are not contracted with my insurance?

Contact us and we will help you resolve the situation with the provider or alternatively help you find an alternative provider.