Gallagher Student Health and Special Risk Formerly Gallagher Koster

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What is a Preferred Provider?

A Preferred Provider is a doctor, hospital or other health care provider that participates regionally in the HealthEOS Network or nationally in the MultiPlan Network. The advantage to using a Preferred Provider is that these providers have contracted to provide specific medical care at negotiated prices. Out-of-Network providers have not agreed to any prearranged fees. Consequently, when insured students use Preferred Providers, their out-of-pocket expenses will generally be lower because any applicable cost sharing will be based on a Preferred Allowance.

The insured person should be aware that Preferred Provider hospitals may be staffed with Out-of-Network providers. Receiving services or care from an Out-of-Network provider at a Preferred Provider hospital does not guarantee that all charges will be paid at the Preferred Provider level of benefits. However, if a Covered Medical Expense is incurred due to a Medical Emergency, benefits will be paid at the Preferred Provider level of benefits.

How do I find a Preferred Provider?

HealthEOS (within Wisconsin)
Website: www.healtheos.com/search (Click on the H HealthEOS Plus by Multiplan logo)

Multiplan (National Network)
Website: www.multiplan.com