Amigo medical plan from HCC Life Insurance Company participates in the Hygeia PPO Network. Hygeia PPO Network is a separately-organized network of a large number of physicians and privately owned and operated hospitals. Being a well known network in every major city in the US, there are many doctors and hospitals who accept patients affiliated with Hygeia PPO. When you go to a doctor who participates in the network, please specifically mention that you have a Hygeia PPO Network plan as doctors may not always be aware of HCC Life Insurance Company or Amigo. When you go to the doctors and hospitals in the network, they can take the insurance card and contact HCC Life Insurance Company to verify the benefits. HCC Life Insurance Company can pay directly to the provider if it is determined that it is an eligible expense (covered expense under the policy). Providers will charge only the Network Negotiated Fee (NNF), a discounted fee in many cases.

When you go to medical providers outside of the Hygeia PPO network, you can present the insurance card. The insurance card has all the information the doctor's office will need to directly bill the insurance company such as the certificate number, claims filling address, toll-free number to call and verify coverage, etc. However, it still depends upon the doctor as to whether they want to bill the insurance company directly or not. Even if the doctor accepts the card, there may be no network negotiated fee. If you have to first pay, you can be reimbursed 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. HCC Life Insurance Company will usually reimburse you within 4 weeks after receiving the claim. However, when there is hospitalization/surgery involved and the upfront costs are high, HCC Life Insurance Company can make necessary arrangements to pay the provider directly.

Whether you use a doctor inside the network or outside the network, after the annual deductible, the insurance company will pay 80%/20% for first $5000 worth of expenses, and 100% of the expenses up to policy maximum after that.

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, the insurance company will need to request medical records from the provider. The provider can't give these medical records until they have signed authorization from you to release the records. Filing a claim form provides them with such authorization.

Search Providers