What is a Network Provider?
A Network Provider is a doctor, hospital or other health care provider that participates in a specific provider network. The advantage to using a Network Provider is that these providers have agreed to accept a predetermined fee or Preferred Allowance as payment for their services. Out-of-Network providers have not agreed to any prearranged fee schedule, therefore any charges in excess of the insurance payment may be the student’s responsibility. Consequently, when insured students use Network Providers, out-of-pocket expenses will be less because any applicable cost sharing will be based on a Preferred Allowance.
Ivy Tech Students are not required or restricted to a specific provider network. However, students have the option to utilize providers who participate in the Private HealthCare Systems (PHCS) network which will reduce their out-of-pocket costs.
How do I find a Network Provider?
The easiest and most efficient way to locate a PHCS Network Provider is by calling toll-free 800-922-4362 or by clicking on the 'Search for Provider' button below.
It is important that Insured students verify that his or her Doctors are Network Providers when calling for an appointment or at the time of service.
- Gallagher Student Health & Special Risk
500 Victory Road, Quincy, MA 02171
CONTACT CUSTOMER SERVICE