The Standard and Premier plans are an open network and claims can be made 24×7 through claims processing or travel assistance for emergencies. This is especially convenient for many visitors who have not built established relationships with doctors and other specialists.
The Network based comprehensive plan offers both an open and in network option. The reimbursement for open network providers in the Network based plan is 60/40 and reimbursements is 80/20 when MultiPlan providers are used. When using the Network based plan, it is recommended to use in network providers to maximize your out of pocket expenses at $1,000 should medical expenses exceed $5,000.