At First Health, we believe that flexibility is essential to a satisfying health care experience. It's important that you can see your doctor when you feel it is necessary and choose your own specialists without having to go through a "gatekeeper."

• That's why we have built the largest directly contracted medical network in the nation, The First Health® Network.
• That's also why we have chosen the preferred provider organization (PPO) approach.

PPOs are gaining increased popularity because of their flexibility. A PPO offers you the:

• Freedom to choose between network and non-network doctors when you need health care.
• Opportunity to see specialists whenever you choose, because a referral is never needed.
• Convenience of a paperless claims process with network health care professionals.
• High standards of a strictly credentialed and monitored network.
• Maximum value from your health benefit plan. You'll pay less out-of-pocket when you use health care professionals who participate in our network.

Note: Plan provisions may differ. If you are already a member of a plan using First Health, please check your benefit documents for your specific coverage.