INF Plans work with PPO networks (preferred provider organization). PPO's are networks of doctors, hospitals, urgent care clinics, & specialists who have contracted with the Insurance company. If you go to an In-Network provider, you afforded several benefits. For example, the health care provider will bill the insurance directly, meaning you will not have to pay out of pocket for many of these medical expenses. Some PPO Networks will also offer insureds discounted, pre-negotiated rates for medical services. Please the list of providers for your visitors insurance policies below: