PROVIDERS

Am I required to use preferred providers?

No. As a MUST participant, you are never required to see providers who are members of Preferred Provider Organizations (PPO networks). Several PPO network logos are displayed on the back of your MUST card, but you can see any licensed provider you choose, even if they are not members of those networks.

The advantage of using in-network providers is that they accept discounted rates for their services and will not bill you for any amount that exceeds this negotiated rate. (Keep in mind that you are always responsible for meeting your plan’s deductible and for paying any required co-payment amount.)

Is my doctor a member of any preferred-provider networks?

First Choice Health and MUST have worked hard to provide MUST members a comprehensive, yet easy to use, provider network. As a MUST member, you have access to three preferred provider networks: Health InfoNet  for MT, WY, ND, SD, CO; and First Choice Health Network for AK, OR, WA, ID. You may search both networks from First Choice Health’s Web site; visit www.fchn.com/providersearch/providersearch).

If your provider is outside of these states or is not listed in either Health InfoNet or First Choice Health’s directory, you may access the provider listing of First Health.

What happens if my provider is out-of-network?

This should be uncommon, especially for providers within Montana. But remember, you are free to see any licensed providers you wish. If they are out-of-network, the negotiated PPO discounts do not apply. Instead, MUST follows what's known as the "Maximum Eligible Expense (MEE)" for paying these claims. For an explanation of how MEE works, please call MUST Customer Service at 1-800-845-7283.