Frequently Asked Questions

Within the medical networks AETNA and CVS, you will not have to pay for any consultation by yourself. Most providers want to verify eligibility and benefits prior to the consultations, so they will most likely reach out to Global Excel. The eligibility of a member (dates of coverage) can be requested by the provider via the AETNA internal research tool. Please contact Global Excel for any questions regarding covered treatments.

Using the smart search field, enter the provider name, specialty, procedure or condition along with the zip code or city and state, and click search. When prompted to select an AETNA plan, select passport to Healthcare Primary PPO Network, and click continue to view your results.

Find a Participating AETNA Medical Provider
Find a CVS Pharmacy
Find a DenteMax Dentist

Using the smart search field, enter the provider name, specialty, procedure or condition along with the zip code or city and state, and click search. When prompted to select an AETNA plan, select passport to Healthcare Primary PPO Network, and click continue to view your results.

Please call us so that we can clarify this with the provider. Most treatments do not require any co-pay, so the provider should not be requesting this.

Sometimes, health care providers choose to send a copy of the bill with the details of the service performed, directly to you, before it has reached our partner for payment. In this case, and especially if you receive a reminder of an unpaid invoice, we recommend sending it to us as soon as possible, so we can contact the provider directly and avoid future misunderstandings.

In rare cases, it might even happen that a provider refuses to offer further treatments until outstanding invoices are paid.

If you are at a facility of the medical provider and need support, we kindly ask you to call us directly at 212-796-4197 at any time, so that we can immediately send a verification of benefits so that you will not have to pay the invoice. In case a provider asks you to settle the invoice directly, please do not pay without consulting us first.

Please ask the provider to call the number indicated on your card under provider services, or call us yourself directly. We will be able to help the provider locate the correct information.

A co-pay is a dollar amount that insured Members must pay up front before being seen for a consultation (PCP, Specialist, Urgent Care and ER).

A deductible is a dollar amount that insured Members must satisfy before their policy will start covering them. Only covered services will apply towards the deductible.

The 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 %).

PPO stands for Preferred Provider Organization. If you have a PPO plan you do not need a referral to see a Specialist and you may have different benefit levels for out of network providers.
No, because you have a PPO plan.

An Urgent Care Center is a walk-in clinic where you can see a Primary Care Physician 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.

Inform them you have a PPO plan and provide them the contact info that appears on your insurance ID card so they can get in contact with us and we will verify eligibility and benefits.
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.
You can as you have a PPO plan, however check with your insurance to confirm the benefits for going out of network as they may be different than your in network benefits.
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.
It is very common that providers send a bill to patients instead of the insurance even though they had your insurance information. Do not panic. Contact us so we may review a copy of the bill.
Contact us to verify your out of networks benefits and we can also assist you in finding an alternative, in-network provider.