National - Short Term Cover Lab

Network Guide

PPO network (short-term): out-of-network = partial — usually 80% in-network only; ER yes, typically with separate deductible. Verify before you buy.

Network type PPO network (short-term)Out-of-network Partial — usually 80% in-network onlyER covered Yes, typically with separate deductible

Network Guide

Fixed indemnity (no network): out-of-network = any provider — pays flat schedule; ER flat amounts regardless. Verify before you buy.

Network type Fixed indemnity (no network)Out-of-network Any provider — pays flat scheduleER covered Flat amounts regardless

Network Guide

Urgent care vs ER economics: out-of-network = yes; ER separate deductible. Verify before you buy.

Network type Urgent care vs ER economicsOut-of-network YesER covered Separate deductible

Network Guide

Checking your doctor before buying: out-of-network = varies; ER varies. Verify before you buy.

Network type Checking your doctor before buyingOut-of-network VariesER covered Varies

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