Preferred Provider Organization (PPO)

PPO Network: UNC has selected a Preferred Provider Organization (PPO) so Covered Persons will receive benefits at the Negotiated Allowance. The PPO offered is the GWH-CIGNA PPO Network for providers within the state of Colorado as well as outside the state of Colorado.

Preferred Providers allow the Covered Person to maximize the benefits offered under this Plan. You should seek treatment from the Preferred Provider Organization (PPO), which consists of Hospitals, Doctors, ancillary and other health care providers organized into a network for the purpose of delivering quality health care at affordable rates.

In Network (Preferred Providers)

GWH-CIGNA PPO Network - Covered Expenses are Reimbursed at 80% of Maximum Allowable charges unless otherwise noted

A list of Preferred Providers can be found online at, or by calling 888-308-7320. Provider information is available 24 hours a day.

Local Hospital Provider: North Colorado Medical Center, Greeley, CO (NCMC)

Out Patient Emergency Room Care subject to a $150 deductible for each ER visit.

Ambulance Benefit paid at 70% of Usual & Customary charge.

Out-of-Network Providers (Non-Preferred Providers)

Covered Expenses are Reimbursed at 50% of Usual and Customary charges unless otherwise stated. Treatment provided by Out-of-Network providers is subject to Usual and Customary (U&C) Charge maximums. Any charges in excess of the U&C are not covered under this plan.

Cost Savings

You will always save money by going to Preferred Providers. Preferred Providers are physicians, hospitals and other health care providers who have contracted to render specific medical care at negotiated prices. "PPO Allowance" means the reduced allowance that a Preferred Provider will accept as payment in full.

Non-Preferred Providers have not agreed to any prearranged fee schedules, so you will incur increased out of pocket expenses with these providers. Charges in excess of the insurance payment and amounts above "reasonable and customary" are your responsibility.

Identify yourself as a student at the University of Northern Colorado who is covered under the Student Health Insurance Plan underwritten by Connecticut General Life Insurance Company..

NOTE: After the deductible is met, the plan will pay 80% for PPO and 50% for non-PPO. The PPO includes many physicians in the Greeley/Loveland/Ft. Collins area, as well as providers all over the United States.

An Example of How You Can Save (Illustration Provided is After applicable deductible has been met)

  With PPO Provider Without PPO Provider
Physician's Charges
Net Charge
Coinsurance (What you pay)
Your Cost

You save $170 by selecting a PPO Provider! (Note: Discounts offered by the PPO will vary depending on the procedure.