If you have a medical emergency, please call 911.

If you have a medical problem that is not an emergency:

• Call the 1-800 number on the back of your health insurance card.
• Inform the insurance company of the problem you are having; the insurance company will let you know if you are insured for the medical problem.
• Once the health insurance company confirms that you are covered for the medical problem, you may choose your care provider (doctor/hospital). Please see instructions below for more information on how to find a provider.
• Once you arrive at the doctor or hospital: share your health insurance card at the reception and they will ask you to fill out a form. You will then be required to make a co-payment of $50.00 at urgent care center, or $250.00 at the emergency care center. You should go to urgent care center for non-emergency ailments like flu, minor allergies, etc. and go to emergency centers for accident or serious ailments that require immediate treatment.
• If the doctor has any questions about your health insurance plan, they should call the number on the back of your health insurance card.

If you need to purchase medication:

• If the doctor prescribes you a medication, you will need to pay the pharmacy first for the medication, and then you must mail a claim form with your receipt to the insurance company. The insurance company will mail you a reimbursement check for the medication.
• You can access the claim form from the insurance company's website or VIU's website.

If you need surgery or need to undergo a medical procedure:

• Call the insurance company to inform them of the surgery or medical procedure your doctor would like to perform.
• The insurance company will inform you if the surgery or medical procedure will be covered by the insurance plan.
• If the insurance company informs you that they will not cover the surgery or medical procedure, you will have to pay for the full cost of the procedure out of your pocket.

How to find a provider (doctor/hospital) when you have VIU's health insurance:

• Always call the medical service center for pre-certification when you visit a doctor or a hospital. To make sure that your medical bill will be settled directly with the physician so that you don’t have to pay on-site, please visit a provider who is part of the First Health Network.
• Your insurance plan is contracted to the independent U.S. Preferred Provider Organization (PPO). This PPO network is organized and administered by the First Health Network and includes hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the United States
• To search for a medical care provider within the independent PPO network, please contact the service center toll-free at: 1-800-251-1712.
• You may also search for a medical care provider in the Online PPO Directory at http://www.uhc.com/find_a_physician.htm.
• To ensure that the physician you have selected is in the network, please contact the physician's office to confirm their participation.