In addition to reducing claim turn-around time, IHN eliminates complications for members. Providers file the claims with no balance billing to members.

Providers also agree to a market competitive discounted fee structure – and to cooperate with coordination of benefits and utilization management services.

From a member's standpoint, this means using the system is extremely simple. The member simply shows his or her IHN ID card. And the system takes care of the rest.

In short, the simplicity, cost saving, and flexibility of IHN makes it a PPO that really feels like a benefit – not like a minefield of hassles every time you go to use it.